Best Big Spend Bonuses

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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

a group of credit cards

What’s new? This guide has been updated to reflect the latest elite status requirements and we have added sections for the best hotel free night certificates and best airline companion certificates.

Best hotel elite status with spend

World of Hyatt Globalist Status

Hyatt is my favorite hotel chain, and Hyatt’s top tier status (Globalist) is by far my favorite hotel elite status.  It offers perks such as suite upgrades, free full breakfast, waived resort fees, and free parking on award stays.  With the consumer card you automatically get 5 nights towards status, plus you can earn 2 elite nights for each $5K of spend and a free night with $15K spend.  And with the business card you can earn 5 elite nights for each $10K of spend (see this post for my thoughts about spending towards Globalist with the business card).  Globalist status requires 60 elite nights.  Along the way to earning Globalist status, you’ll also pick up valuable Milestone Rewards.  See this post for more: World of Hyatt Complete Guide.

Card Offer and Details
Up to 45K points ⓘ Non-Affiliate
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 welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith
Base: 1X (1.7%)
Travel: 2X (3.4%)
Dine: 2X (3.4%)
Brand: 4X (6.8%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases
Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights
60K points ⓘ Affiliate
60K after $5,000 spend in 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays.
Earning rate: ✦ 2X 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 and Mr & Mrs Smith
Base: 1X (1.7%)
Brand: 4X (6.8%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year).
Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year.

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
Limited Time Offer: 5 x 60K Free Night Certificates ⓘ Affiliate
Five 60K free night certificates after $4K spend in 3 months
(Offer Expires 9/4/2024)
$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 (1.86%)
Travel: 5X (3.1%)
Dine: 5X (3.1%)
Gas: 5X (3.1%)
Brand: 10X (6.2%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year
Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account)
140K points ⓘ Affiliate
Earn 140K points after $4K spend within the first 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
Recent better offer: Up to 175K points: Earn 140K points after $4K spend within the first 3 months and an additional 35K points after a total of $7K spend with in the first 6 months [Expired 5/16/24]
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases
Base: 3X (1.86%)
Travel: 5X (3.1%)
Dine: 5X (3.1%)
Gas: 5X (3.1%)
Office: 5X (3.1%)
Brand: 10X (6.2%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year
Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account)

Marriott Bonvoy Platinum Status

Marriott Platinum Elite status offers the following perks: 4PM late checkout at hotels (not guaranteed at resorts); 50% point bonus; welcome gift with breakfast option at some hotels; lounge access at some hotels; and a room upgrade including to suites based upon availability.  Overall, it can be extremely valuable depending upon which Marriott hotels you tend to stay at.

There are several ways to earn Platinum status through credit card spend.  For full details, see: Shortcuts to Marriott Platinum Elite status.  The easiest to understand option, though, is to spend $75K in a calendar year on the Ritz card.  Alternatively, simply get the Bonvoy Brilliant card and you’ll get Platinum status automatically.

Card Offer and Details
95K Points ⓘ Affiliate
95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
Recent better offer: 185K after $6K in first 6 momths [Expired 5/1/24]
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 (1.4%)
Travel: 3X (2.1%)
Dine: 3X (2.1%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Annual Choice Award with $60K calendar year spend
Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits.
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 (1.4%)
Travel: 3X (2.1%)
Dine: 3X (2.1%)
Brand: 6X (4.2%)
Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: $75K spend per calendar year for Platinum elite status
Noteworthy perks: ✦ Annual 85K hotel certificate upon renewal ✦ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ✦ Priority Pass Select with unlimited guests ✦ Access Sapphire Lounges for yourself and unlimited guests for free ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status

Hilton Honors Diamond Status

Earn a free night with $15K spend and top tier Diamond status with $40K calendar year spend on either the Hilton Honors Surpass or Hilton Honors Business Credit cards shown below.

Note that another great option for getting Diamond status is simply to have the Hilton Aspire card which costs $550 per year but offers automatic Diamond status, up to $600 per year in rebates, an annual free night certificate, and more. The Aspire card also offers the chance to earn free night certificates through spend at $30K and $60K of spend.

Card Offer and Details
Limited Time Offer: 175K Points + free night certificate ⓘ Friend-Referral
175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
(Offer Expires 7/31/2024)
$550 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Information 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 currency conversion fees.
Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year
Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per 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
Limited Time Offer: 130K points + Free Night Certificate ⓘ Affiliate
130K points + free night certificate after $3K spend within the first 6 months. Terms apply.
(Offer Expires 7/31/2024)
$150 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Recent better offer: None, this is the best that we've seen.
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus:
✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply
Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees)
130K Points ⓘ Affiliate
130K after $6K spend in first 6 months. Terms apply.
$195 Annual Fee
Recent better offer: 175K points after $8K spend in 6 months [Expired 6/5/24]
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.
Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). ✦ For eligible purchases made from March 28, 2024 through June 30, 2024: 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)
Base: 3X (1.44%)
Brand: 12X (5.76%)
Other: 5X (2.4%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Eligible purchases made through June 30, 2024 will count toward a Free Night Award after $15K spend within a calendar year and another Free Night Award after $60K spend. This benefit will no longer be available after June 30, 2024.

Diamond elite status with $40K calendar year spend
Noteworthy perks: ✦ Free Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ National Car Rental Executive Status ✦ 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. If you were thinking of booking extra flights just to get or keep status, consider using the Delta Reserve card to “mileage run from home” instead. Each of the following cards offer an annual $2,500 MQD Headstart, plus the ability to earn MQDs through spend:

Card Offer and Details
65k miles ⓘ Affiliate
65k after $6k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$350 Annual Fee
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year)
Base: 1X (1.1%)
Travel: 3X (3.3%)
Brand: 3X (3.3%)
Other: 1.5X (1.65%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Terms and Limitations Apply. (Rates & Fees)
50K miles ⓘ Affiliate
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)
$350 Annual Fee
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.1%)
Travel: 3X (3.3%)
Dine: 2X (2.2%)
Grocery: 2X (2.2%)
Brand: 3X (3.3%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees)
75k miles ⓘ Affiliate
75k after $10K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases
Base: 1X (1.1%)
Office: 1.5X (1.65%)
Brand: 3X (3.3%)
Other: 1.5X (1.65%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)
60K Miles ⓘ Affiliate
60K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta
Base: 1X (1.1%)
Brand: 3X (3.3%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or to earn an unlimited number of visits each year starting on 2/1/25, spend $75K or more on eligible purchases between 1/1/24 and 12/31/24, and each calendar year thereafter. ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $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. ✦ Hertz President's Circle Status ✦ 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
70K Points ⓘ Affiliate
70K points after $3K spend in the first 3 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 currency conversion fees.
Big spend bonus: Renew 25K status w/ $15K spend ✦ Status Boost w/ $50K spend ✦ Priority Reward w/ $100K, $250K, $500K, or $750K spend ✦ Free award companion for rest of calendar year and all of next with $1Million spend
Noteworthy perks: Discounted award pricing ✦ Free checked bag ✦ $100 credit for NEXUS, Global Entry or TSA PreCheck every 4 years ✦ Carbon offsets on Air Canada awards ✦ Pay Yourself Back for travel at 1.25 cents per point, up to 50K points per year ✦ 10% bonus when transferring Ultimate Rewards to Aeroplan (25K max bonus/year)

American Airlines Elite Status

Now that American Airlines elite status can be earned without flying, there’s suddenly reason to put spend on your American Airlines credit card.  For each dollar spent on your card you’ll earn 1 Loyalty Point (you earn 1 Loyalty Point per dollar spent even when the card offers 2 redeemable miles per dollar or more).  It’s possible to earn top tier status this way and also Loyalty Point Rewards (such as upgrade certificates) without flying at all.  For more, see: AA’s Loyalty Point Pursuit game: Earn status w/out flying.

Note that you can also earn additional Loyalty Point boosts with spend on the American Airlines Aviator Silver card. Earn 5,000 bonus Loyalty Points with $20K spend, another 5K bonus Loyalty Points with $40K spend, and a third 5K Loyalty Point bonus with $50K spend all during the status qualification period. Only the Aviator Silver card has this benefit and that card is only available by invitation to upgrade from a Barclays Aviator Red card.

Note also that the Citi AAdvantage Platinum Select, the Citibusiness AAdvantage Platinum Select, and the Barclays Aviator Red & Silver cards each offer an additional big spend bonus in the form of a discount or companion certificate:

Here are the currently available AA cards:

Card Offer and Details
70K miles after 1st purchase and paying the annual fee within 90 days
$99 Annual Fee
Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24]
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend.
Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles
65K miles after $4K spend in first 4 months
$0 introductory annual fee for the first year, then $99
Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options.
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
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 currency conversion fees.
Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend
Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases
50K miles after $2,500 spend in first 3 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA
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 currency conversion fees.
Big spend bonus: $125 AA Flight Discount with $20K membership year spend
Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases
100K miles after $10,000 spend in first 3 months
$595 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good choice for those who need Admirals Club® access and those who value the Loyalty Points boosts at 50K and 90K Loyalty Points earned. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) and some handy credits for Avis or Budget rentals and GrubHub.
Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 4X (5.2%)
Other: 10X (13%)
Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees.
Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 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 every 4 years
Earn 10K AA miles 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

Cardholders earn 1 tile with every $1,000 spent on one of the JetBlue credit cards. Mosaic 1 status starts at 50 tiles (top-tier Mosaic 4 requires 250 tiles). Mosaic 1 status gives you (among other perks): free inflight beverages including cocktails, wine, and beer, 2 free checked bags, and Even More Space at check-in.  Plus, with either card, you’ll get an automatic 10% rebate on JetBlue award bookings.

Card Offer and Details
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 currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: ✦ Free checked bag ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases
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 currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases

Southwest Companion Pass

Southwest Airline’s Companion Pass is arguably the single best ongoing travel deal around.  When you earn 135,000 qualifying points in a calendar year you’ll earn a Companion Pass for the remainder of the correct year plus all of the next calendar year.  Points earned from Southwest credit cards (including both welcome bonuses & spend) count as qualifying points.  Once you get the companion pass, for the rest of that year and all of the next year you can add a companion for free (after TSA fees) to any Southwest flight that you’ve purchased with points or with cash.

If you hold any number of Southwest credit cards, you get a 10,000 point boost toward the Companion Pass qualifying points required; in other words, cardholders only need to earn 125,000 qualifying points in a calendar year to earn the Companion Pass.

Card Offer and Details
Up to 120K points ⓘ Affiliate
80K points after $5K spend within first 3 months and an additional 40K after $15K total spend within first 9 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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$69 Annual Fee
After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details).
FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year.
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest
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
50K points after $1K spend in the first 3 months.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often.
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases.
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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year
Up to 120K points ⓘ Affiliate
60K points after $3K spend within first 3 months and an additional 60K after $15K total spend within first 9 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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5,000 spent in purchases annually.
Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year.

Virgin Atlantic Elite Status, Bonus Miles, and Companion Certificate

The Virgin Atlantic World Elite Mastercard offers a slew of big spend bonuses.  To earn elite status, your best bet is to spend $2,500 or $5,000 on the card each month:

  • Companion award ticket with $25K annual spend
  • 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend
  • 25 tier points towards elite status per $2,500 spend (max 50 tier points per month)
Card Offer and Details
None
Card is currently not available to new applicants.
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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 currency conversion fees.
Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month).

Best Hotel Certificates

Aside from earning elite status, there are opportunities to earn valuable perks with spend.

World of Hyatt credit card free night certificate

The consumer World of Hyatt credit card offers a Category 1-4 free night certificate after $15K in purchases in a calendar year. We value that certificate at $252 (more on our methodology here), though you can obviously get more or less value depending on how you use it. At a value of $252, the certificate represents about a 1.7% return on spend; when combined with the 15,000 Hyatt points you’ll earn on that spend (which are worth $315 according to our Reasonable Redemption Values) and the 6 elite night credits from the same spend, it can be well worth spending toward this benefit for those who highly value Hyatt points and certificates.

Note also that Hyatt offers another Category 1-4 free night certificate after 30 elite nights and a Category 1-7 free night certificate after 60 elite nights. The 2 elite night credits you get with each $5K spend on the World of Hyatt credit card count toward those (and other) milestone benefits.

Here are the currently-available World of Hyatt credit cards:

Card Offer and Details
60K points ⓘ Affiliate
60K after $5,000 spend in 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays.
Earning rate: ✦ 2X 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 and Mr & Mrs Smith
Base: 1X (1.7%)
Brand: 4X (6.8%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year).
Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year.
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 welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith
Base: 1X (1.7%)
Travel: 2X (3.4%)
Dine: 2X (3.4%)
Brand: 4X (6.8%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases
Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights

Hilton free night certificates

Hilton free night certificates can be used at almost any property worldwide and that is expected to extend to the partnerships with SLH and Autocamp. Since Hilton free night certificates can be used any night of the week at almost any property in the world, they can be highly valuable. In fact, we value Hilton free night certificates at $490 based on our formula detailed on this page.

The Hilton Honors Surpass card offers a free night award that can be used at almost any Hilton property in the world after $15K in purchases in a calendar year.

The Hilton Honors Business credit card offers a free night award that can be used at almost any Hilton property in the world after $15K in purchases in a calendar year and another after $60K in purchases in a calendar year, but note that the card is losing this benefit on June 30, 2024, so you must hit one of those thresholds prior to June 30th to earn a free night certificate with this card.

The Hilton Honors Aspire card offers a free night award that can be used at almost any Hilton property in the world after $30K in purchases in a calendar year and another free night certificate after $60K in purchases in a calendar year.

More info on the above Hilton credit cards:

Card Offer and Details
Limited Time Offer: 175K Points + free night certificate ⓘ Friend-Referral
175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
(Offer Expires 7/31/2024)
$550 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Information 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 currency conversion fees.
Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year
Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per 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
Limited Time Offer: 130K points + Free Night Certificate ⓘ Affiliate
130K points + free night certificate after $3K spend within the first 6 months. Terms apply.
(Offer Expires 7/31/2024)
$150 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Recent better offer: None, this is the best that we've seen.
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus:
✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply
Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees)
130K Points ⓘ Affiliate
130K after $6K spend in first 6 months. Terms apply.
$195 Annual Fee
Recent better offer: 175K points after $8K spend in 6 months [Expired 6/5/24]
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.
Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). ✦ For eligible purchases made from March 28, 2024 through June 30, 2024: 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)
Base: 3X (1.44%)
Brand: 12X (5.76%)
Other: 5X (2.4%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Eligible purchases made through June 30, 2024 will count toward a Free Night Award after $15K spend within a calendar year and another Free Night Award after $60K spend. This benefit will no longer be available after June 30, 2024.

Diamond elite status with $40K calendar year spend
Noteworthy perks: ✦ Free Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ National Car Rental Executive Status ✦ Terms Apply. (Rates & Fees)

Marriott free night certificates

While many of the Marriott credit cards offer an automatic annual free night certificate, a couple of cards offer spend-based certificates that could represent a decent value, particularly if the introductory bonus spending requirements mean that you’re already part of the way there.

The Marriott Bonvoy Bevy credit card and the Marriott Bonvoy Bountiful card each offer a free night certificate valid for a single night at a property costing up to 50K points for a standard room (and the certificate can be topped off with up to 15,000 additional points) after spending $15,000 in purchases in a calendar year. We value a Marriott 50K certificate at $320 based on our formula detailed on this page.

The Marriott Bonvoy Business card offers an annual free night certificate, but cardholders can earn an additional 35K free night certificate after spending $60K in a calendar year. We value 35K free night certificates at $224 based on our formula detailed on this page. Given the relatively low return on spend, we wouldn’t recommend spending $60K just for that free night certificate.

The Marriott Bonvoy Brilliant card offers an annual choice benefit after $60K in purchases in a calendar year. One of the choice options is an 85K free night certificate. We value 85K free night certificates at $544 based on our formula detailed on this page. That could arguably make it worth spending toward this certificate as the value of the certificate combined with the 2 Marriott points per dollar you’ll earn even on unbonused spend combine to make for a reasonably acceptable return, though only if you are certain that you’ll both use the certificate to high value and get a good redemption from your Marriott points.

More info on the above Marriott credit cards:

Card Offer and Details
Earn 3 Free Night Awards - Valued at up to 50K points each, up to 150K points total. ⓘ Affiliate
Three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees)
$125 Annual Fee
Recent better offer: 5x50K free night certificates after $8K in spend (expired 3/20/24)
Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees)
Base: 2X (1.4%)
Dine: 4X (2.8%)
Gas: 4X (2.8%)
Phone: 4X (2.8%)
Biz: 4X (2.8%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year
Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees)
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else
Base: 2X (1.4%)
Dine: 4X (2.8%)
Grocery: 4X (2.8%)
Brand: 6X (4.2%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: One 50K Free Night Award after $15K calendar year spend.
Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status
85K Points ⓘ Affiliate
85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 155K after $5K in first 6 months [Expired 5/1/24]
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases
Base: 2X (1.4%)
Dine: 4X (2.8%)
Grocery: 4X (2.8%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases.
Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status
95K Points ⓘ Affiliate
95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
Recent better offer: 185K after $6K in first 6 momths [Expired 5/1/24]
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 (1.4%)
Travel: 3X (2.1%)
Dine: 3X (2.1%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Annual Choice Award with $60K calendar year spend
Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits.

IHG Free night certificate

The IHG Rewards Business credit card offers a free night certificate valid for a single night at a property costing up to 40K points (or it can be topped off with an unlimited number of points from your account) after $60K in purchases in a calendar year + 1 additional purchase. We value IHG free night certificates at $216 based on our formula detailed on this page. Keep in mind that you’ll also earn IHG One Rewards Diamond status after $40K in purchases + 1 additional purchase in a calendar year. If you intend to spend for Diamond status, it can be worth pushing onward to the free night certificate since the additional $20K spend (plus one additional purchase) will yield 60,000 IHG points (worth $378 according to our Reasonable Redemption Values) and the free night certificate. However, if you don’t value Diamond status enough to spend for that independent of the free night certificate, then it probably isn’t worth spending $60K on this card.

Best Airline Companion Certificates

American Airlines Companion Certificates

The Citi AAdvantage Platinum Select, the Citibusiness AAdvantage Platinum Select, and the Barclays Aviator Red & Silver cards each offer an additional big spend bonus in the form of a discount or companion certificate:

Note that reports are mixed as to the difficulty involved in using these certificates, but nonetheless they could be valuable enough on their own to justify the spend. For those primarily seeking elite status through spend, these certificates could be a worthwhile additional bonus.

Here are the currently available American Airlines credit cards:

Card Offer and Details
70K miles after 1st purchase and paying the annual fee within 90 days
$99 Annual Fee
Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24]
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend.
Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles
65K miles after $4K spend in first 4 months
$0 introductory annual fee for the first year, then $99
Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options.
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
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 currency conversion fees.
Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend
Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases
50K miles after $2,500 spend in first 3 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA
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 currency conversion fees.
Big spend bonus: $125 AA Flight Discount with $20K membership year spend
Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases
100K miles after $10,000 spend in first 3 months
$595 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good choice for those who need Admirals Club® access and those who value the Loyalty Points boosts at 50K and 90K Loyalty Points earned. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) and some handy credits for Avis or Budget rentals and GrubHub.
Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 4X (5.2%)
Other: 10X (13%)
Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees.
Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 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 every 4 years
Earn 10K AA miles 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

Alaska Airlines Companion Certificate

Those who have the Alaska Airlines Visa Signature consumer card (US), the Visa Business card (US), as well as the World Elite and Platinum Plus MasterCard (Canada) can get one companion discount code each year. Most legacy cards get a free code after their anniversary date, but for cards approved after January 18, 2023, there is a requirement to spend $6,000 in a calendar year to receive a companion fare code at the anniversary date.

The Alaska Airlines companion fare code is valid for one-way or round-trip paid, published coach airfare on Alaska Airlines. With the Companion Fare, the companion pays a $99 base fare plus applicable taxes and fees (from $22).

Note that the cardholder must purchase the tickets, but the companion fare can be used to book travel for others (the cardholder does not need to travel to use the companion code).

See more detail in our Complete Guide to Airline Companion Tickets.

Here are the currently available Alaska Airlines credit cards:

Card Offer and Details
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 currency conversion fees.
Big spend bonus: $121 companion pass every year after $6K spend.
Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ Priority Boarding ✦ 10% bonus on earned miles with eligible BOA account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs.
50K miles + Companion Fare ⓘ Non-Affiliate
50K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K after $4K in 3 months [Expired 4/23]
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere
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 currency conversion fees.
Big spend bonus: $121 companion pass every year after $6K spend.
Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ 10% bonus on earned miles with eligible BOA business account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs.

Southwest Airlines Companion Pass

The Southwest Airlines Companion Pass is a repeatable discount that allows the pass holder to bring a companion for only the cost of taxes every time the pass holder flies. When you earn 135,000 qualifying points in a calendar year you’ll earn a Companion Pass for the remainder of the correct year plus all of the next calendar year.  Points earned from Southwest credit cards (including both welcome bonuses & spend) count as qualifying points.  Once you get the companion pass, for the rest of that year and all of the next year you can add a companion for free (after TSA fees) to any Southwest flight that you’ve purchased with points or with cash.

If you hold any number of Southwest credit cards, you get a 10,000 point boost toward the Companion Pass qualifying points required; in other words, cardholders only need to earn 125,000 qualifying points in a calendar year to earn the Companion Pass.

We generally wouldn’t recommend spending $125,000 at 1x to earn the Companion Pass, but combining credit card spend with many other shortcuts to the Southwest Companion Pass can certainly be worthwhile. See more detail in our Southwest Airlines Companion Pass Complete Guide.

Card Offer and Details
Up to 120K points ⓘ Affiliate
80K points after $5K spend within first 3 months and an additional 40K after $15K total spend within first 9 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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$69 Annual Fee
After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details).
FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year.
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest
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
50K points after $1K spend in the first 3 months.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often.
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases.
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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year
Up to 120K points ⓘ Affiliate
60K points after $3K spend within first 3 months and an additional 60K after $15K total spend within first 9 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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5,000 spent in purchases annually.
Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year.

More airline companion certificates

Several other airline credit cards offer the chance to spend toward companion certificates. These certificates certainly can be valuable in the right instance, though each has relatively niche use. Read more in our Complete Guide to Airline Companion Tickets.

Complete List of all Big Spend Bonuses

By default, the following table only shows the first 10 cards in our database, but you can click “Next”, search, or use the drop-down to increase the number of displayed cards.  Search this table using keywords such as:

  • Elite Status
  • Bonus Points
  • Companion (for companion tickets)
  • Free Night

Also, limit results to your program of interest by searching for “Delta”, “Marriott”, “United”, “Virgin”, “Avios”, etc.

Card Offer and Details
125K points ⓘ Non-Affiliate
125K after $8K spend in first 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: $500 after $100K cardmember year spend
Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ 1 Free Authorized User ✦ Redeem points for 1 cent each into your Morgage Stanley account ✦ $695 Annual Engagement Bonus for Platinum CashPlus accounts
Up to 125K points ⓘ Non-Affiliate
Up to 125K points: 120K points after $2K spend in 90 days plus 5K points for adding an authorized user within first 90 days
$0 introductory annual fee for the first year, then $75
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Best for those who stay often at Sonesta hotels
Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining
Base: 1X (1.06%)
Travel: 2X (2.12%)
Brand: 3X (3.18%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: 30K bonus points with $7.5K cardmember year spend
Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks)
Limited Time Offer: 5 x 60K Free Night Certificates ⓘ Affiliate
Five 60K free night certificates after $4K spend in 3 months
(Offer Expires 9/4/2024)
$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 (1.86%)
Travel: 5X (3.1%)
Dine: 5X (3.1%)
Gas: 5X (3.1%)
Brand: 10X (6.2%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year
Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account)
Limited Time Offer: 175K Points + free night certificate ⓘ Friend-Referral
175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
(Offer Expires 7/31/2024)
$550 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Information 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 currency conversion fees.
Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year
Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per 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
Limited Time Offer: 130K points + Free Night Certificate ⓘ Affiliate
130K points + free night certificate after $3K spend within the first 6 months. Terms apply.
(Offer Expires 7/31/2024)
$150 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Recent better offer: None, this is the best that we've seen.
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus:
✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply
Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees)
75K Miles ⓘ Affiliate
75K miles after $5K spend in first 3 months.
$0 introductory annual fee for the first year, then $99
After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card.
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
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 currency conversion fees.
Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100 ✦ Earn up to 1,000 PQPs per year: 25 PQPs per $500 spend
Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/24) ✦ 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
3 x 50K Free Night Certificates ⓘ Friend-Referral
Earn three 50K free night certificates after $3K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24)
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else
Base: 2X (1.4%)
Dine: 3X (2.1%)
Gas: 3X (2.1%)
Grocery: 3X (2.1%)
Brand: 6X (4.2%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Earn Gold status when you spend $35K each year ✦ 1 Elite Night Credit towards elite status for every $5K spent
Noteworthy perks: ✦ Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent
70K miles after 1st purchase and paying the annual fee within 90 days
$99 Annual Fee
Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24]
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend.
Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles
Limited Time Offer: 70K points + Free Night Certificate ⓘ Affiliate
70K points + free night certificate after $2K spend within the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 7/31/2024)
No Annual Fee
After clicking through, be sure to choose the card you want on the landing page.
Recent better offer: None. This is the best that we've seen.
FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card.
Earning rate: ✦ 7X Hilton eligible Hilton purchases ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases
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 currency conversion fees.
Big spend bonus: Gold elite status with $20K calendar year spend
Noteworthy perks: ✦ Free Silver status; Gold status with $20K spend. ✦ Terms Apply. (Rates & Fees)
65K miles after $4K spend in first 4 months
$0 introductory annual fee for the first year, then $99
Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options.
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
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 currency conversion fees.
Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend
Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases
70K Points ⓘ Affiliate
70K points after $3K spend in the first 3 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 currency conversion fees.
Big spend bonus: Renew 25K status w/ $15K spend ✦ Status Boost w/ $50K spend ✦ Priority Reward w/ $100K, $250K, $500K, or $750K spend ✦ Free award companion for rest of calendar year and all of next with $1Million spend
Noteworthy perks: Discounted award pricing ✦ Free checked bag ✦ $100 credit for NEXUS, Global Entry or TSA PreCheck every 4 years ✦ Carbon offsets on Air Canada awards ✦ Pay Yourself Back for travel at 1.25 cents per point, up to 50K points per year ✦ 10% bonus when transferring Ultimate Rewards to Aeroplan (25K max bonus/year)
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 and Mr & Mrs Smith
Base: 1X (1.7%)
Brand: 4X (6.8%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year).
Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year.
60K Points + $100 Voucher ⓘ Non-Affiliate
60K points plus $100 companion voucher after $1K spend in 90 days (enter any random five-digit number as "employee code")
$0 introductory annual fee for the first year, then $79
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else
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 currency conversion fees.
Big spend bonus: ✦ $100 Companion Flight Voucher EACH anniversary after making at least $5,000 in purchases within the prior year Earn ✦ 1 SQP (towards elite status) for each $10 of spend
Noteworthy perks: Waived redemption fees ✦ Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding
$1200 Cash Back ⓘ Affiliate
Earn a one-time cash bonus of $1,200 after $30K spend in the first 3 months. (Rates & Fees)
$150 Annual Fee
Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months
FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Note that this is a pay-in-full card, so your balance is due in full every month.
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 2%
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion 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
Limited Time Offer - 60K miles ⓘ Affiliate
60K miles after $3K spend in 3 months.
$0 introductory annual fee for the first year, then $95
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 8/11/22: 70K after $3K spend
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend
Noteworthy perks: ✦ Improved economy saver award availability ✦ Free first checked bag for primary cardholder and one travel companion when you pay with the card ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year on you anniversary ✦ One year of complimentary Dash Pass (Must activate by 12/31/24) ✦ Primary auto rental collision damage waiver ✦ Up to $100 Global Entry,TSA Pre-check or Nexus credit ✦ 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
140K points ⓘ Affiliate
Earn 140K points after $4K spend within the first 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
Recent better offer: Up to 175K points: Earn 140K points after $4K spend within the first 3 months and an additional 35K points after a total of $7K spend with in the first 6 months [Expired 5/16/24]
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases
Base: 3X (1.86%)
Travel: 5X (3.1%)
Dine: 5X (3.1%)
Gas: 5X (3.1%)
Office: 5X (3.1%)
Brand: 10X (6.2%)
Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year
Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account)
Limited Time Offer - 70K Miles + 500 PQPs ⓘ Affiliate
70K miles and 500 PQPs after $4K spend in the first 3 months
$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 currency conversion fees.
Big spend bonus: Earn up to 6,000 PQPs per calendar year: 25 PQPs per $500 spend
Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year - terms apply ✦ Two 5K award flight rebates per cardmember year ✦ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your Mileage Plus number ✦ Up to $100 Global Entry, TSA PreCheck or Nexus reimbursement ✦ 25% back on United inflight or Club Premium drink purchases
Up to 120K points ⓘ Affiliate
80K points after $5K spend within first 3 months and an additional 40K after $15K total spend within first 9 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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year.
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 currency conversion fees.
Big spend bonus: $121 companion pass every year after $6K spend.
Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ Priority Boarding ✦ 10% bonus on earned miles with eligible BOA account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs.
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 currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: ✦ Free checked bag ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases
75K Avios ⓘ Affiliate
Earn 75K Avios after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 7/4/22: 100K after $5K spend
FM Mini Review: Good choice for a nice intro bonus. 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 currency conversion fees.
Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year.
Noteworthy perks: Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland ✦ No foreign transaction fees.
75K Avios ⓘ Affiliate
Earn 75K Avios after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 7/4/22: 100K after $5K spend
FM Mini Review: Good choice for a nice intro bonus. 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 currency conversion fees.
Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight
Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10 ✦ No foreign transaction fees
75K Avios ⓘ Affiliate
Earn 75K Avios after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 7/4/22: 100K after $5K spend
FM Mini Review: Good choice for a nice intro bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe.
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 currency conversion fees.
Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years.
Noteworthy perks: Up to $600 per year in award fee rebates ✦ 10% off BA flights originating in the US. ✦ No foreign transaction fees
Up to 100K miles ⓘ Non-Affiliate
Up to 100K miles: Earn 60K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months
$249 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: If you were already interested in a LifeMiles+ subscription, this card might be appealing since it only costs $9 more than the cost of 12 months of the "Lite" subscription (or you can enjoy the same annual $240 in value toward higher subscription levels with a $20 monthly discount). It could be worth getting the card for the Silver Elite benefits if you would have considered buying a LifeMiles+ subscription anyway. However, for ongoing spend, it is less compelling given the fact that many transferable currency cards offer superior return on spend.
Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: American Express issued by FEB. This card has no foreign currency conversion fees.
Big spend bonus: Earn double miles on up to 1,000 miles per month with the included "Lite" subscription.
Noteworthy perks: Complimentary Avianca Silver elite status
Earn 3 Free Night Awards - Valued at up to 50K points each, up to 150K points total. ⓘ Affiliate
Three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees)
$125 Annual Fee
Recent better offer: 5x50K free night certificates after $8K in spend (expired 3/20/24)
Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees)
Base: 2X (1.4%)
Dine: 4X (2.8%)
Gas: 4X (2.8%)
Phone: 4X (2.8%)
Biz: 4X (2.8%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year
Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees)
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$69 Annual Fee
After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details).
FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year.
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest
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
50K miles after $2,500 spend in first 3 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA
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 currency conversion fees.
Big spend bonus: $125 AA Flight Discount with $20K membership year spend
Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases
50K points after $1K spend in the first 3 months.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often.
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases.
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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies.
Limited Time Offer - 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 currency conversion fees.
Big spend bonus: Earn up to 10,000 PQPs per calendar year: 25 PQPs per $500 spend
Noteworthy perks: ✦ United Club membership ✦ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ✦ 10% discount on saver level economy awards within the continental US and Canada ✦ Up to $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
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 currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases
50K miles + 60XP ⓘ Non-Affiliate
50K miles after $2K in the first 90 days + 60 XP upon approval
$89 Annual Fee
Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer 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 primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous year
Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases
Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year
55k miles ⓘ Affiliate
55k after $4k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $150
FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.
Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24)
Base: 1X (1.1%)
Brand: 2X (2.2%)
Other: 2X (2.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
130K Points ⓘ Affiliate
130K after $6K spend in first 6 months. Terms apply.
$195 Annual Fee
Recent better offer: 175K points after $8K spend in 6 months [Expired 6/5/24]
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.
Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). ✦ For eligible purchases made from March 28, 2024 through June 30, 2024: 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)
Base: 3X (1.44%)
Brand: 12X (5.76%)
Other: 5X (2.4%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Eligible purchases made through June 30, 2024 will count toward a Free Night Award after $15K spend within a calendar year and another Free Night Award after $60K spend. This benefit will no longer be available after June 30, 2024.

Diamond elite status with $40K calendar year spend
Noteworthy perks: ✦ Free Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ National Car Rental Executive Status ✦ Terms Apply. (Rates & Fees)
50K miles + Companion Fare ⓘ Non-Affiliate
50K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K after $4K in 3 months [Expired 4/23]
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere
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 currency conversion fees.
Big spend bonus: $121 companion pass every year after $6K spend.
Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ 10% bonus on earned miles with eligible BOA business account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs.
Up to 120K points ⓘ Affiliate
60K points after $3K spend within first 3 months and an additional 60K after $15K total spend within first 9 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 currency conversion fees.
Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5,000 spent in purchases annually.
Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year.
Up to 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 welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith
Base: 1X (1.7%)
Travel: 2X (3.4%)
Dine: 2X (3.4%)
Brand: 4X (6.8%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases
Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights
Limited Time Offer: 100K Points ⓘ Affiliate
100K points after $2K spend in 3 months
(Offer Expires 9/4/2024)
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 (1.24%)
Dine: 3X (1.86%)
Gas: 3X (1.86%)
Phone: 3X (1.86%)
Brand: 5X (3.1%)
Other: 3X (1.86%)
Card Info: Mastercard World issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus points after $10K in purchases and one additional purchase each calendar year ✦ Gold status after $20K in purchases and one additional purchase each calendar year.
Noteworthy perks: Fourth night free on award stays ✦ 20% discount on points purchases ✦ No foreign transaction fees
50K miles after $1,000 in purchases in the first 90 days
$0 introductory annual fee for the first year, then $99
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 currency conversion fees.
Big spend bonus: $100 discount voucher after $2,500 in annual spend.
Noteworthy perks: ✦ Keep miles from expiring with one purchase every six months. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card.
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 currency conversion fees.
Big spend bonus: 10K miles on anniversary with $35K in purchases, 5K miles on anniversary with $15K in purchases
Noteworthy perks: 5% off Korean Air flights (cardholder+companion) 2X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ $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
20K points after $1K spend in the first 3 billing cycles
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year.
Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit
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 $150
FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.
Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets
Base: 1X (1.1%)
Dine: 2X (2.2%)
Grocery: 2X (2.2%)
Brand: 2X (2.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $100 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
50K points after $2K spend in 90 days
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward paid travel. This card might be worth it for the bonus if you know you'll make good use of BreezePoints. Long term, it only makes sense if you frequently fly Breeze Airways -- and even then, there are other cards that might be as good or better for airfare purchases depending on how you value transferable points vs airline-specific penny points.
Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights)
Base: 1%
Dine: 2%
Grocery: 2%
Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: One-way bundle upgrade with every $15K in purchases
Noteworthy perks: 7,500 BreezePoints after every account anniversary with $10K in cardmember year purchases ✦ Priority Boarding ✦ Complimentary Inflight WiFi
Earn 40K 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 FEB. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 status mile for every 5 miles earned from spend up to 10,000 status miles from 50,000 miles earned from spend (excludes miles earned from the welcome bonus).
Noteworthy perks: Preferred boarding ✦ 2 lounge passes per year to TAP lounge at Lisbon Airport ✦ Free extra checked bag twice per year ✦ 1 status mile per 5 miles earned from spend up to 10K status miles per annual qualification period
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
$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 UBS. This card has no foreign currency conversion fees.
Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend.
Noteworthy perks: Priority Pass Select ✦ $350 annual airline fee credit for selected domestic airline ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary rental car coverage for business rentals ✦ Travel accident insurance, emergency medical evacuation coverage, delayed & lost luggage, trip delay, trip interuption, trip cancellation ✦ Price protection, event ticket protection, return protection, extended warranty, purchase protection ✦ No foreign transaction fees
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 FNBO. This card has no foreign currency conversion fees.
Big spend bonus: 40K bonus points when you spend at least $5,000 during each 12 billing cycle period
Noteworthy perks: ✦ 10% off Flexible Rate Stays ✦ Platinum Elite Status (get a free welcome snack)
30K points after $1K spend in first 6 months
No Annual Fee
Recent better offer: Expired 7/11/24: 75K after $2K in spend
FM Mini Review: Sign up for the bonus. Keep for the 10% award discount.
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else
Base: 1X (1.01%)
Dine: 2X (2.02%)
Gas: 5X (5.05%)
Grocery: 2X (2.02%)
Brand: 5X (5.05%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: 7,500 points each anniversary year after $15K spend
Noteworthy perks: Gold status ✦ 10% discount on free night awards ✦ Cardmember discount on paid stays ✦ No foreign transaction fees
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else
Base: 2X (1.4%)
Dine: 4X (2.8%)
Grocery: 4X (2.8%)
Brand: 6X (4.2%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: One 50K Free Night Award after $15K calendar year spend.
Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status
40K Avios
20K Avios after first transaction, then an additional 20K after $3,000 spend within the first 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Outside of the welcome offer, there's not much of a compelling reason to carry this card.
Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else
Base: 1X (1.09%)
Dine: 2X (2.18%)
Brand: 4X (4.36%)
Card Info: Visa Signature issued by FEB. This card has no foreign currency conversion fees.
Big spend bonus: Receive 2 Qpoints for every 2,000 Avios earned
Noteworthy perks: Complimentary Qatar Silver/oneworld Ruby status for one year
85K Points ⓘ Affiliate
85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 155K after $5K in first 6 months [Expired 5/1/24]
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases
Base: 2X (1.4%)
Dine: 4X (2.8%)
Grocery: 4X (2.8%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases.
Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status
65k miles ⓘ Affiliate
65k after $6k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$350 Annual Fee
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year)
Base: 1X (1.1%)
Travel: 3X (3.3%)
Brand: 3X (3.3%)
Other: 1.5X (1.65%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Terms and Limitations Apply. (Rates & Fees)
None (call to apply) ⓘ Non-Affiliate
This card does not currently have a welcome offer
$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 UBS. This card has no foreign currency conversion fees.
Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend.
Noteworthy perks: Priority Pass Select ✦ $250 annual airline fee credit for selected domestic airline ✦ 12 Gogo inflight wifi passes ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary car rental collision and theft insurance coverage ✦ Travel accident insurance, emergency medical evacuation coverage, lost luggage, trip delay, trip cancellation ✦ No foreign transaction fees
$350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations
Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ✦ 1% cash back on other purchases ✦ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Big spend bonus: $100 after $15K card membership year spend
Noteworthy perks: Terms Apply. (Rates & Fees)
$200 Cash Back ⓘ Non-Affiliate
$200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent low-spend welcome bonus on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal.
Earning rate: 2% everywhere
Base: 2%
Card Info: Visa issued by FNBO. This card imposes foreign transaction fees.
Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend
95K Points ⓘ Affiliate
95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
Recent better offer: 185K after $6K in first 6 momths [Expired 5/1/24]
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 (1.4%)
Travel: 3X (2.1%)
Dine: 3X (2.1%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Annual Choice Award with $60K calendar year spend
Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits.
50K Miles after $4K spend in 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 currency conversion fees.
Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;
Noteworthy perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
30K Miles + 1 Year Silver status ⓘ Non-Affiliate
30K after $3K spend in 90 days
$99 Annual Fee
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.1%)
Travel: 2X (2.2%)
Brand: 3X (3.3%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Maintain Emirates Skywards Silver status with $20K spend per membership year (Silver status offers cardmember lounge access to Emirates Business Class lounges in Dubai only)
Noteworthy perks: 25% discount when buying miles ✦ No foreign transaction fees
25K points after $1,500 spend in the first 3 billing cycles
$69 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Outside of the (very) modest welcome offer, not much to see here.
Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere
Base: 1X (1%)
Gas: 2X (2%)
Grocery: 2X (2%)
Brand: 3X (3%)
Card Info: Visa Signature issued by FNBO. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus points when you spend at least $10,000 during each 12 billing cycle period
Noteworthy perks: 1 free premium drink per night ✦ 50% off seat selection and first bag ✦ Priority boarding
50K Miles + 1,000 PQP ⓘ Non-Affiliate
50K miles + 1,000 Premier Qualifying Points after $5K spend in first 3 months.
$450 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership
Earning rate: ✦ 2X United ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend
Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Get one year of complimentary Dash Pass (Must activate by 12/31/24) ✦ Free 1st and 2nd checked bags ✦ Primary auto rental collision damage waiver ✦ Hertz Gold Plus Rewards® President's Circle®
50K miles ⓘ Affiliate
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)
$350 Annual Fee
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.1%)
Travel: 3X (3.3%)
Dine: 2X (2.2%)
Grocery: 2X (2.2%)
Brand: 3X (3.3%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Cell phone protection ✦ 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 currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.
10K 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 currency conversion fees.
Big spend bonus: ✦ 5K bonus miles each anniversary when you spend $10K within prior year
Noteworthy perks: Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding
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 CNB. This card has no foreign currency conversion fees.
Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend.
Noteworthy perks: Up to $350 a year in statement credits for airline incidental fees (as of 1/1/20) ✦ 12 Gogo In-Flight Wifi passes per card ✦ $100 Global Entry fee reimbursement ✦ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20)
None
This card is no longer available
No Annual Fee
Earning rate: 5X gas, grocery, drugstore for 6 months
Base: 1X (1.5%)
Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees.
Big spend bonus: With $50K spend, points become worth 1.75 cents each towards airfare
Noteworthy perks: Points worth 1.5 cents each towards airfare` Points worth 1 cent each for most other redemption
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 Info: Visa Signature issued by USB. This card imposes foreign transaction fees.
Big spend bonus: Annual bonus of 25% of your prior year's cash rewards, up to $250, will post after your anniversary date.
Noteworthy perks: 25% annual bonus based on your pior year's cash rewards, up to $250. 0% APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR
None
This card is no longer available
$0 introductory annual fee for the first year, then $49
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a decent choice for uncapped 3% rewards at grocery stores. Otherwise this card is not exciting.
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Grocery: 2X (1.42%)
Phone: 2X (1.42%)
Other: 2X (1.42%)
Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees.
Big spend bonus: 3,500 bonus points with $24K spend per cardmember year
Noteworthy perks: $25 airline fee credit when points are redeemed for round-trip flights ✦ No foreign transaction fees
None
This card is no longer available
$0 introductory annual fee for the first year, then $55
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Phone: 2X (1.42%)
Office: 2X (1.42%)
Other: 2X (1.42%)
Card Info: Visa Business issued by USB. This card has no foreign currency conversion fees.
Big spend bonus: $55 credit with $24K spend per cardmember year
Noteworthy perks: $25 airline fee credit when points are redeemed for flights
No standard bonus ⓘ Friend-Referral
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards.
Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month
Base: 2X (2%)
Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees.
Big spend bonus: Earn 3x for all spend between $1000 and $7,500 each calendar month
Noteworthy perks: Higher credit limit than most cards ✦ Virtual card numbers ✦ 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ cell phone protection ($500 max, $50 deductible) ✦ trip protection ✦ car rental coverage
Free DashPass ⓘ Non-Affiliate
Receive 12 months of DashPass for free upon approval
No Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Could be worth considering for folks who spend a lot on DoorDash and restaurants.
Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else
Base: 1%
Dine: 3%
Grocery: 2%
Brand: 4%
Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 12 months of free Dash Pass after $10,000 in purchases within a cardmember year.
Noteworthy perks: 10% off first order each month (up to $15 per order) on convenience, grocery, alcohol, retail or dashMart ( through 12/31/24) ✦ $5 off one order each month (through 9/30/24) ✦ Trip protection ✦ Purchase protection
None
This card is no longer available.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None
FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply.
Earning rate: ✦ 2X U.S. Restaurants ✦ 2X select U.S. Department Stores ✦ 2X Car Rentals Purchased Directly from Select Car Rental Companies ✦ 2X Airfare Purchased Directly from Airlines
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 2X (3.1%)
Shop: 2X (3.1%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Big spend bonus: $100 after $25K card membership year spend
Noteworthy perks: Invest with rewards (1 point = 1 cent)
75k miles ⓘ Affiliate
75k after $10K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases
Base: 1X (1.1%)
Office: 1.5X (1.65%)
Brand: 3X (3.3%)
Other: 1.5X (1.65%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)
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 Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees.
Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year
Noteworthy perks: Free Expedia+ Silver status
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 6X Marriott ✦ 2X on all other eligible purchases
Base: 2X (1.4%)
Brand: 6X (4.2%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Marriott Gold Elite with $30K annual spend (note this threshold will increase to $35K on January 1, 2019)
Noteworthy perks: 1 Free Night Award every year after your Card account anniversary up to 35K points (subject to resort fees) ✦ Receive free premium internet at Marriott properties.
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 Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend;
50K Avios + 150 Qpoints ⓘ Non-Affiliate
25K Avios after first transaction, then an additional 25K and 150 Qpoints after $5,000 spend within the first 90 days
$499 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Getting complimentary oneworld Sapphire for one year could be appealing for folks who value the Admiral's Club access. Beyond that, the card's steep annual fee will probably make this most appealing for those who actually fly Qatar regularly.
Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else
Base: 1X (1.09%)
Dine: 3X (3.27%)
Brand: 5X (5.45%)
Card Info: Vsa Infinite issued by FEB. This card has no foreign currency conversion fees.
Big spend bonus: Receive 2 Qpoints for every 1,500 Avios earned
Noteworthy perks: Complimentary Qatar Goldr/oneworld Sapphire status for one year (includes access to domestic AA Admirals Clubs and Alaska Lounges) ✦ Global Entry/TSA Precheck credit ✦ Travel accident insurance ✦ Trip cancellation reimbursement ✦ Trip delay reimbursement
None
This card is no longer available to new applicants
$59 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity.
Earning rate: 2X everywhere
Base: 2X (2.4%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: ✦ 5K bonus miles when you spend $10K annually and pay your annual fee
Noteworthy perks: Zone 2 priority boarding
None
This card is no longer available
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott.
Base: 1X (0.7%)
Travel: 2X (1.4%)
Dine: 2X (1.4%)
Brand: 5X (3.5%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: 1 credit towards elite status for every $3,000 in purchases
Noteworthy perks: ✦ 15 night credit towards elite status every year upon account anniversary ✦ Free category 1-5 certificate each year upon renewal
60K Miles ⓘ Affiliate
60K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta
Base: 1X (1.1%)
Brand: 3X (3.3%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or to earn an unlimited number of visits each year starting on 2/1/25, spend $75K or more on eligible purchases between 1/1/24 and 12/31/24, and each calendar year thereafter. ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $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. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)
None
This card is no longer available
$95 Annual Fee
This card is no longer available to new applicants.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings)
Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 3X (4.35%)
Shop: 3X (4.35%)
Brand: 3X (4.35%)
Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees.
Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending
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 Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: $99 companion certificate with $30K account year spend
Noteworthy perks: ✦ First checked bag free ✦ Preferred boarding ✦ 5% bonus on miles earned the previous year after AF is paid ✦ 25% statement credit on in-flight purchases
None
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 currency conversion fees.
Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month).
40K Miles + 1 Year Gold status ⓘ Non-Affiliate
40K after $3K spend in 90 days
$499 Annual Fee
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.1%)
Travel: 2X (2.2%)
Brand: 3X (3.3%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: 10K bonus miles with $30K spend per membership year ✦ Maintain Emirates Skywards Gold status with $40K spend per membership year (Gold status offers cardmember and guest lounge access to Emirates Business Class lounges worldwide)
Noteworthy perks: Priority Pass Select ✦ Global Entry Fee Credit ✦ 25% discount when buying miles ✦ No foreign transaction fees
25K points
25K after $2K spend in 3 months
$95 Annual Fee
Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment
Base: 1X (0.71%)
Dine: 2X (1.42%)
Brand: 4X (2.84%)
Other: 2X (1.42%)
Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees.
Big spend bonus: 5K anniversary bonus with $10K annual spend
Noteworthy perks: ✦ $100 annual air travel fee credit ✦ Expedia+ Gold status
This card is no longer available for new applications

$150 Annual Fee
This card is no longer available for new applications.
FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel.
Earning rate: 2X Miles on all purchases
Base: 2X (2%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend
Noteworthy perks: ✦ Chip wth PIN capability ✦ $100 Global Entry credit once every 5 years ✦ Lounge Key access (pay $27 per lounge visit) ✦ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile).
Available by invitation only

$195 Annual Fee
FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile.
Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else
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 currency conversion fees.
Big spend bonus: Earn $99 + tax domestic companion certificate for up to 2 companions with $20K membership year spend. ✦ Earn up to 15,000 bonus Loyalty Points per status qualification period: Earn 5K bonus points at $20K spend, $40K spend, and $50K spend
Noteworthy perks: $25 per day in-flight food & beverage credit ✦ First checked bag free ✦ Priority Boarding ✦ $100 Global Entry application fee credit ✦ 25% off in-flight purchases ✦ $50 wifi credit per membership year ✦ Round up purchases to earn more miles
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 (1.4%)
Travel: 3X (2.1%)
Dine: 3X (2.1%)
Brand: 6X (4.2%)
Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: $75K spend per calendar year for Platinum elite status
Noteworthy perks: ✦ Annual 85K hotel certificate upon renewal ✦ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ✦ Priority Pass Select with unlimited guests ✦ Access Sapphire Lounges for yourself and unlimited guests for free ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status
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24 Comments
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Ian Maschal

This list is huge no was hoping for 1-5 cards to use for big tax payments

Maurice

The Delta portion should be updated since MQMs have gone away!

Greg The Frequent Miler

Fixed that. Thank you

Tarik

Great list! But what are actually the best ones? There are over 80 here. Choosing the winners would make for a great podcast episode!

Mr. Seg

Agreed, hard to tell from this list

Cheryl

agreed

Pierre

The Hilton Business card no longer has the free night for 15K

Greg The Frequent Miler

It does until June 30th

Pierre

Ah yes that’s right and you even mentioned that (what I get for quick browsing)

Lynn

*The Hilton Honors Aspire card offers a free night award that can be used at almost any Hilton property in the world after $30K in purchases in a calendar year and another free night certificate after $60K in purchases in a calendar year.* You get a free night just for having the card each year, too, right?

Greg The Frequent Miler

Yes

Nick Reyes

As Greg says, yes — but I’ll add that the reason that isn’t mentioned here is because this post is specifically about big spend bonuses, so it focuses on the additional benefits of these cards based on spend.

Lee

Great article.

Last edited 4 months ago by Lee
Vince

Alaska cards now offer EQMS with spend (“Throughout 2024, for every $10,000 you spend on purchases, you’ll automatically earn 4,000 EQMs (up to 20,000 EQMs total))”

Paul

I think the part above “It’s possible to earn top tier status this way, but you won’t qualify for Loyalty Choice Rewards (such as upgrade certificates) unless you also complete 30 or more qualifying flight segments during the elite membership year” about AA is incorrect unless I’m misunderstanding it. I have gotten the loyalty bonuses without flying much but getting loyalty points in other ways.

Lee

Greg, another note. A big spend bonus of the Brilliant card is a second 85k FNC.

Lee

Greg, it might be worth noting a two-player-mode trick for Delta status. MQMs earned from spend on the personal Reserve and business Reserve (but not the Platinums) can be gifted from one player to the other. Of course, dollar spend for the MQD waiver does not transfer between players. But, if “rollover minutes” continue . . .

platini

@Greg, didn’t IHG stripped the breakfast/lounge access after a few months after the launch of their revamped/renamed program? You don’t even get lounge access when using pts on a Lounge floor/room. Back to Square One. What a useless program, thanks IHG!!

Greg The Frequent Miler

If memory serves, that was just a misunderstanding caused by incorrectly written terms & conditions.

platini

Thanks @Greg for the correction! I guess I’ll stick with IHG, since I’m Diamond. I guess my spend has some value then. Thanks!

Sam

Can you still earn Diamond status for IHG via Credit Card spend? I thought they took that away. Thanks!

platini

@sam, no, you can still earn it via $40k spend on the card. It should the Premier card though.

Bear

Would have been more helpful with the Elite tier amounts needed also included.

Greg The Frequent Miler

Thanks. Good suggestion for the next update