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

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
Chase World of Hyatt Credit Card
45K points
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

FM Mini Review: Great card for signup bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.


Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt

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 cardmember year ⚬ Discoverist elite status ⚬ 5 elite qualifying nights

Chase World of Hyatt Business Credit Card
60K Points
60K after $5,000 spend in 3 months

$199 Annual Fee

FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays.


Card Type: Visa Signature

Base
Brand

Earning rate: ⚬ 2X in the top 3 spend categories each calendar quarter through 12/31/23 (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

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
Chase IHG® Rewards Premier Credit Card
140K Points
140K points after $3K spend in 3 months

$99 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: None. This is the best we've seen.


Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Brand
10X
(6%)

Earning rate: 10X IHG ⚬ 5X travel, dining, and gas stations ⚬ 3X on all other purchases

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: Annual 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)

Chase IHG® Rewards Premier Business Credit Card

Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Office
Brand
10X
(6%)

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

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: Annual 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
Marriott Bonvoy Brilliant™ American Express® Card
150K Points
Limited-time Offer - 150K points after $5K in the first 3 months. Terms apply. (Rates & Fees)

$650 Annual Fee

Recent better offer: 100K + 1 free night award after $5K spend in 3 months [Expired 5/18/22]

FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers


Card Type: Amex Credit Card

Base
Travel
Dine
Brand

Earning rate: 3X airfare charged by airline; 3X US restaurants, 6X Marriott; 2X on all other eligible purchases

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 Select with 2 free guests ⚬ Global Entry fee credit ⚬ Free premium internet at Marriott properties

See also: Marriott Bonvoy Complete Guide

Chase Ritz Carlton Rewards Visa Infinite
This card is no longer available for new applications.
It is still possible to acquire this card by starting with another consumer Marriott card from Chase. After having the card at least one year, call Chase to ask about product changing to the Ritz card.

No Annual Fee First Year, Then $450

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.


Card Type: Visa Infinite

Base
Travel
Dine
Brand

Earning rate: ⚬ 6X Ritz & Marriott.⚬ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ⚬ 2X everywhere else

Big spend bonus: $75K spend per calendar year for Platinum elite status

Noteworthy perks: ⚬ Annual 85K hotel certificate upon renewal ⚬ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ⚬ Priority Pass Select with unlimited guests ⚬ $300 annual credit for airline incidentals ⚬ Automatic Gold Status

See also: Marriott Bonvoy Complete Guide

Hilton Honors Diamond Status

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

Card Offer and Details
Hilton Honors American Express Surpass® Card
2 Free Nights at any Hilton Property
Earn 2 Free Night Rewards after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms apply.

$95 Annual Fee

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.


Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases

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. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply.

See also: Hilton Amex Cards. Everything you need to know.

Hilton Honors American Express Business Card
130K points + 1 free night certificate
Limited Time Offer: Earn 130K points after $5K spend in first 3 months + Free Night Award after $10K total spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 12/21/2022)

$95 Annual Fee

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.


Card Type: Amex Credit Card

Base
Travel
Dine
Gas
Phone
Biz
Brand
Other

Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases

Big spend bonus:
Free night award after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend

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

See also: Hilton Amex Cards. Everything you need to know.

Best airline elite status with spend

Delta Medallion Elite Status

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

Card Offer and Details
Delta SkyMiles® Platinum Credit Card from American Express
80K miles
80K miles after $4K spend in 3 months. Terms apply. (Rates & Fees)

$250 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Dine
Grocery
Brand

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets

Big spend bonus: Earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Delta SkyMiles® Reserve Credit Card from American Express
95K Miles
95K Miles after $6K spend in 6 months. Terms apply. (Rates & Fees)

$550 Annual Fee

Recent better offer: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]

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.


Card Type: Amex Credit Card

Base
Brand

Earning rate: 3X Delta

Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when flying Delta ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Delta SkyMiles® Platinum Business American Express Card
60K miles + 5K MQMs
60K miles + 5K MQMs after $3K spend in 3 months. Terms and limitations apply. (Rates & Fees)

$250 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Brand
Other
1.5X
(1.8%)

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)

Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Delta SkyMiles® Reserve Business American Express Card
60K miles + 10K MQMs
60K Miles + 10K MQMs after $4K spend in 3 months. Terms apply. (Rates & Fees)

$550 Annual Fee

Recent better offer: 85K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 8/25/21]

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.


Card Type: Amex Credit Card

Base
Brand
Other
1.5X
(1.8%)

Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K

Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year ⚬ Throughout 2021, earn an additional 3,750 MQMs with $30K in purchases up to 4 times ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when you book your Delta flight with your Reserve card ⚬ Complimentary upgrades ⚬ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

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
The Aeroplan® Card
70K points
70K after $3K spend in the first 3 months.

$95 Annual Fee

FM Mini Review: Great card for regular or frequent Air Canada flyers


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

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

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 (coming soon)

American Airlines Elite Status

Now that American Airlines elite status can be earned without flying, there’s suddenly reason to put spend on your American Airlines credit card.  For each dollar spent on your card you’ll earn 1 Loyalty Point (this is true even when the card offers 2 redeemable miles per dollar or more).  It’s possible to earn top tier status this way, but you won’t qualify for Loyalty Choice Rewards (such as upgrade certificates) unless you also complete 30 or more qualifying flight segments during the elite membership year.  For more, see: AA’s Loyalty Point Pursuit game: Earn status w/out flying.

Here are the currently available AA cards:

Card Offer and Details
AAdvantage® AviatorTM Business MasterCard®
80K Miles + $95
80K miles and a $95 statement credit after $2K spend in 90 days

$95 Annual Fee


Card Type: Mastercard

Base
Travel
Phone
Office

Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else

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

CitiBusiness AAdvantage Platinum Select World MasterCard
65K miles
65K after $4K spend in first 4 months

No Annual Fee First Year, Then $99

Recent better offer: 75K after $5K in the first 5 months (Expired 1/16/20)

FM Mini Review: This card usually has a great signup bonus, but if you're looking for a card to keep long term, you'll find better options.


Card Type: Mastercard World

Base
Travel
Gas
Phone
Brand

Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas

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

Citi® / AAdvantage® Platinum Select® World Elite MasterCard

FM Mini Review: Excellent choice for a great signup bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)


Card Type: Mastercard World Elite

Base
Dine
Gas
Brand

Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA

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

AAdvantage Aviator Red World Elite MasterCard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: ⚬ 2X AA ⚬ 1X everywhere else

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

Citi AAdvantage® Executive World Elite MasterCard®

FM Mini Review: Excellent choice for those who need Admirals Club access (included for both the primary member and authorized users). Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.).


Card Type: Mastercard World Elite

Base
Brand

Earning rate: 2X AA

Noteworthy perks: ⚬ First Checked Bag Free ⚬ Admirals Club® access for both primary and authorized users ⚬ 25% savings on eligible in-flight purchases on American Airlines and US Airways flights ⚬ Up to $100 Global Entry or TSA PreCheck application fee credit

American Airlines AAdvantage MileUp Card
10K miles + $50
Earn 10K AA miles + $50 statement credit after $500 spend in 3 months

No Annual Fee

FM Mini Review: Not bad for grocery spend if you highly value AA miles


Card Type: Mastercard World Elite

Base
Grocery
Brand

Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else

Noteworthy perks: Save 25% on inflight food and beverage purchases

JetBlue Cards Mosaic Status

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

Card Offer and Details
JetBlue Business Card
80K Miles + $99
80K miles and a $99 statement credit after $2K spend in 90 days

$99 Annual Fee

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.


Card Type: Mastercard

Base
Dine
Office
Brand

Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

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

See also: Barclaycard JetBlue offers are live and worth a look

Barclays JetBlue Plus Mastercard
80K Miles
80K miles after $1K spend and payment of the annual fee in 90 days

$99 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: You could get a bonus 5K miles for using an employee code. Details here.

Recent better offer: Expired 2/4/21: 100K after $6K spend

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.


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

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

See also: Barclaycard JetBlue offers are live and worth a look

Southwest Companion Pass

Southwest Airline’s Companion Pass is arguably the single best ongoing travel deal around.  When you earn 125,000 qualifying points in a calendar year you’ll earn a Companion Pass for the remainder of the correct year plus all of the next calendar year.  Points earned from Southwest credit cards (including both welcome bonuses & spend) count as qualifying points.  Once you get the companion pass, for the rest of that year and all of the next year you can add a companion for free (after TSA fees) to any Southwest flight that you’ve purchased with points or with cash.

Card Offer and Details
Chase Southwest Airlines Rapid Rewards® Plus Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$69 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

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.


Card Type: Visa Signature or Platinum

Base
Travel
Phone
Brand

Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest

Big spend bonus: If you earn 125,000 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.

Chase Southwest Airlines Rapid Rewards Premier Credit Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$99 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

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.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

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.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year.

Chase Southwest Airlines Rapid Rewards® Premier Business Card

Card Type: Visa

Base
Travel
Brand

Earning rate: 3X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 1X on all other purchases.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year.

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
Virgin Atlantic World Elite Mastercard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else

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).

See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status

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
JetBlue Business Card
80K Miles + $99
80K miles and a $99 statement credit after $2K spend in 90 days

$99 Annual Fee

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.


Card Type: Mastercard

Base
Dine
Office
Brand

Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

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

See also: Barclaycard JetBlue offers are live and worth a look

AAdvantage® AviatorTM Business MasterCard®
80K Miles + $95
80K miles and a $95 statement credit after $2K spend in 90 days

$95 Annual Fee


Card Type: Mastercard

Base
Travel
Phone
Office

Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else

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

Barclays JetBlue Plus Mastercard
80K Miles
80K miles after $1K spend and payment of the annual fee in 90 days

$99 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: You could get a bonus 5K miles for using an employee code. Details here.

Recent better offer: Expired 2/4/21: 100K after $6K spend

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.


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

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

See also: Barclaycard JetBlue offers are live and worth a look

Chase Southwest Airlines Rapid Rewards® Plus Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$69 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

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.


Card Type: Visa Signature or Platinum

Base
Travel
Phone
Brand

Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest

Big spend bonus: If you earn 125,000 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.

Southwest Rapid Rewards® Priority Credit Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$149 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper.


Card Type: Visa Signature or Platinum

Base
Travel
Phone
Brand

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.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies

UBS Visa Infinite Business

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)


Card Type: Visa Infinite

Base
Travel
Phone
Office
Biz

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

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

See also: My take on the UBS Visa Infinite bonus offers

Chase Southwest Airlines Rapid Rewards Premier Credit Card
75K Points
Earn 75K bonus points after $3K spend in 3 months

$99 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)

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.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

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.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year.

United℠ Business Card

FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.


Card Type: Visa Signature

Base
Dine
Gas
Office
Other

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

Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100

Noteworthy perks: ⚬ Improved economy saver award availability ⚬ Unlocks complimentary elite upgrades on award tickets ⚬ Free first checked bag ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year at anniversary ⚬ Free DashPass for one year (must activate by 12/31/24) ⚬ Primary auto rental collision damage waiver ⚬ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ⚬ 25% back as a statement credit on United in-flight and Club Premium drink purchases

Hilton Honors American Express Aspire Card
150K Points + free night certificate
150K after $4K spend in 3 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.

$450 Annual Fee

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 once per year, and other Hilton properties a few times a year..


Card Type: Amex Credit Card

Base
Travel
Dine
Brand

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.

Big spend bonus: Second free night award after $60K spend in calendar year

Noteworthy perks: ⚬Annual Weekend Night Reward upon approval and every year upon renewal ⚬ Free Diamond Status ⚬ Priority Pass w/ 2 free guests ⚬ $250 Hilton Resort Credit per membership year ⚬ $250 Airline Incidental Fee Credit per calendar year ⚬ $100 on-property credit w/ Aspire Card package ⚬ Terms Apply. See Rates & Fees

See also: Amex Hilton Aspire In-Depth Review

Southwest® Rapid Rewards® Performance Business Credit Card
80K points
80K after $5K spend in first 3 months

$199 Annual Fee


Card Type: Visa Signature

Base
Travel
Phone
Biz
Brand

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.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: 9000 bonus points each year upon card renewal ⚬ 4 Upgraded Boardings per year when available ⚬ Global Entry or TSA Pre✔ Fee Credit ⚬ Up to 365 Inflight WiFi Credits
per year

UBS Visa Infinite
Up to 100K points (call to apply)
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee

No Annual Fee First Year, Then $495

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)


Card Type: Visa Infinite

Base
Travel
Gas
Grocery

Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else

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

See also: My take on the UBS Visa Infinite bonus offers

CitiBusiness AAdvantage Platinum Select World MasterCard
65K miles
65K after $4K spend in first 4 months

No Annual Fee First Year, Then $99

Recent better offer: 75K after $5K in the first 5 months (Expired 1/16/20)

FM Mini Review: This card usually has a great signup bonus, but if you're looking for a card to keep long term, you'll find better options.


Card Type: Mastercard World

Base
Travel
Gas
Phone
Brand

Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas

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

Hilton Honors American Express Surpass® Card
2 Free Nights at any Hilton Property
Earn 2 Free Night Rewards after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms apply.

$95 Annual Fee

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.


Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases

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. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply.

See also: Hilton Amex Cards. Everything you need to know.

The Aeroplan® Card
70K points
70K after $3K spend in the first 3 months.

$95 Annual Fee

FM Mini Review: Great card for regular or frequent Air Canada flyers


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

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

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 (coming soon)

Free Spirit Travel More Mastercard

Card Type: Masrercard World Elite

Base
Dine
Grocery
Brand

Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else

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

Delta SkyMiles® Gold Credit Card from American Express
65K miles
Limited Time Offer - 65K miles after $2K spend in 3 months. Expires 11/9/22. Terms apply. (Rates & Fees)

No Annual Fee First Year, Then $99

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.


Card Type: Amex Credit Card

Base
Dine
Grocery
Brand

Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets

Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year

Noteworthy perks: Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

Citi® / AAdvantage® Platinum Select® World Elite MasterCard

FM Mini Review: Excellent choice for a great signup bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)


Card Type: Mastercard World Elite

Base
Dine
Gas
Brand

Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA

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

Chase IHG® Rewards Premier Business Credit Card

Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Office
Brand
10X
(6%)

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

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: Annual 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)

Chase IHG® Rewards Premier Credit Card
140K Points
140K points after $3K spend in 3 months

$99 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: None. This is the best we've seen.


Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Brand
10X
(6%)

Earning rate: 10X IHG ⚬ 5X travel, dining, and gas stations ⚬ 3X on all other purchases

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: Annual 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)

Chase Southwest Airlines Rapid Rewards® Premier Business Card

Card Type: Visa

Base
Travel
Brand

Earning rate: 3X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 1X on all other purchases.

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases

Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year.

Chase World of Hyatt Business Credit Card
60K Points
60K after $5,000 spend in 3 months

$199 Annual Fee

FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays.


Card Type: Visa Signature

Base
Brand

Earning rate: ⚬ 2X in the top 3 spend categories each calendar quarter through 12/31/23 (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

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.

United Club℠ Infinite Card
100K Miles
100k miles after $5k spend in first 3 months

$525 Annual Fee

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. .


Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: ⚬ 4X United ⚬ 2X dining & travel

Big spend bonus: Earn up to 4,000 PQPs per year: 500 PQPs per $12K spend (up to $96K 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 ⚬ Free DashPass for one year (must activate by 12/31/24) ⚬ IHG Platinum Status ⚬ 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

AAdvantage Aviator Red World Elite MasterCard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: ⚬ 2X AA ⚬ 1X everywhere else

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

Amtrak Guest Rewards® Preferred Mastercard®
30K points
30K points after $1K spend in the first 3 months

$99 Annual Fee


Card Type: Mastercard World

Base
Travel
Dine
Brand

Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel, dining, transit, and rideshare ⚬ 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions ⚬ Complimentary companion coupon ⚬ One-Class Upgrade and a single-day ClubAcela pass each year. ⚬ 20% rebate for onboard food & beverage purchases as a statement credit

See also: Amtrak Guest Rewards credit card review

Hilton Honors American Express Business Card
130K points + 1 free night certificate
Limited Time Offer: Earn 130K points after $5K spend in first 3 months + Free Night Award after $10K total spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 12/21/2022)

$95 Annual Fee

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.


Card Type: Amex Credit Card

Base
Travel
Dine
Gas
Phone
Biz
Brand
Other

Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases

Big spend bonus:
Free night award after $15K spend in calendar year and another after $60K spend

Diamond elite status with $40K calendar year spend

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

See also: Hilton Amex Cards. Everything you need to know.

Delta SkyMiles® Platinum Credit Card from American Express
80K miles
80K miles after $4K spend in 3 months. Terms apply. (Rates & Fees)

$250 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Dine
Grocery
Brand

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets

Big spend bonus: Earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Chase Iberia Visa Signature® Card
Up to 100K Avios
75K Avios after $5K spend in 3 months + 25K Avios after total of $20K spend in 12 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 signup bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Base
Travel
Brand

Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere

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.

Chase Aer Lingus Visa Signature® Card
Up to 100K Avios
75K Avios after $5K spend in 3 months + 25K Avios after total of $20K spend in 12 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 signup bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Base
Travel
Brand

Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere

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.

Chase British Airways Visa Signature® Card
Up to 100K Avios
75K Avios after $5K spend in 3 months + 25K Avios after total of $20K spend in 12 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 signup bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe.


Card Type: Visa Signature

Base
Travel
Brand

Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere

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.

Delta SkyMiles® Gold Business American Express Card
50K miles
50K miles after $2K spend in the first 3 months. Terms and limitations apply. (Rates & Fees)

No Annual Fee First Year, Then $99

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.


Card Type: Amex Credit Card

Base
Dine
Brand
Other

Earning rate: 2X Delta ⚬ 2X U.S. purchases for advertising in select media ⚬ 2X U.S. shipping purchases ⚬ 2X restaurants

Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year

Noteworthy perks: Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

Frontier Airlines World MasterCard®

Card Type: Mastercard World

Base
Dine
Brand

Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants

Big spend bonus: $100 discount voucher after $2,500 in annual spend. ⚬ Elite 20K status (free bag & seat selection) w/ $20K calendar year spend ⚬ Elite 50K (adds family seating & free seat selection for up to 8 companions) with $50K calendar year spend ⚬ Elite 100K status (adds "theWORKS" bundle for primary cardmember & up to 8 traveling companions) with $100K calendar year spend

Noteworthy perks: ⚬ Keep miles from expiring with one purchase every six months. ⚬ No award redemption fee when taxes/fees are paid for with the card.

Air France KLM World Elite Mastercard
50K miles + 60XP points
50K miles after $2K in the first 90 days + 60XP points upon approval

$89 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

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.


Card Type: Mastercard World Elite

Base
Brand

Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else

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.

Delta SkyMiles® Reserve Credit Card from American Express
95K Miles
95K Miles after $6K spend in 6 months. Terms apply. (Rates & Fees)

$550 Annual Fee

Recent better offer: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]

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.


Card Type: Amex Credit Card

Base
Brand

Earning rate: 3X Delta

Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when flying Delta ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Sonesta World Mastercard
65K points
60K points after $1K spend in 90 days plus 5K points for adding an authorized user

No Annual Fee First Year, Then $75

FM Mini Review: Best for those who stay often at Sonesta hotels


Card Type: Mastercard World

Base
Travel
Brand

Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta

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)

Emirates Skywards Rewards World Elite Mastercard

Card Type: Mastercard World Elite

Base
Travel
Brand

Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else

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

Chase IHG® Rewards Traveler Credit Card
80K Points
80K Points after $2K spend in 3 months

No Annual Fee

Click here to view details about a similar card: IHG Rewards Club Premier

Recent better offer: 120K after $2K spend (expired 7/4/22)

FM Mini Review: This would be a great companion card for anyone who still has the old $49 per year IHG card because the 4th night free from the card would stack with the 10% rebate with the other card.


Card Type: Mastercard World

Base
Dine
Gas
Phone
Brand
Other

Earning rate: ⚬ 5X IHG ⚬ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ⚬ 2X everywhere else

Big spend bonus: 10K bonus points after $10K in purchases and one additional purchase each calendar year. 10X IHG ⚬ 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 FX fees

Delta SkyMiles® Platinum Business American Express Card
60K miles + 5K MQMs
60K miles + 5K MQMs after $3K spend in 3 months. Terms and limitations apply. (Rates & Fees)

$250 Annual Fee

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Brand
Other
1.5X
(1.8%)

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)

Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Chase World of Hyatt Credit Card
45K points
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

FM Mini Review: Great card for signup bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.


Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt

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 cardmember year ⚬ Discoverist elite status ⚬ 5 elite qualifying nights

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 90K miles
50K Miles after $2K spend in 90 days plus 40K miles after $8K spend in 12 months

$99 Annual Fee


Card Type: Mastercard World Elite

Base
Dine
Gas
Office
Brand

Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else

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

BB&T Spectrum Rewards
Up to $1,350
$1350 after $50K spend in 3 months (Get 3% cash back in first 3 months, plus 5% year end bonus + 30% big spend bonus = $2025. Consider $1350 of that to be signup bonus.)

No Annual Fee


Card Type: Visa

Base
1.05X
(1.05%)

Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%

Big spend bonus: Earn a 30% bonus on cash earned when spending $50K or more annually

Noteworthy perks: ⚬ 5% anniversary bonus each year ⚬ Offer restricted to residents of Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and DC.

See also: The Spectrum Rewards. Offer- What is it worth?

Virgin Atlantic World Elite Mastercard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else

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).

See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status

Capital One Spark Cash Plus
Up to $1,000
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account
opening

$150 Annual Fee

Note: This card is not expected to count against Chase's 5/24 Rule

Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months

FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards.


Card Type: Mastercard

Base
2%
Travel
5%

Earning rate: 2% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel

Big spend bonus: Earn an annual $200 cash bonus every year you spend $200,000 or more

Noteworthy perks: No foreign transaction fees ⚬ No preset spending limit

Wyndham Rewards Earner Card
45K Points
45K points after $1K spend in first 90 days

No Annual Fee

FM Mini Review: Sign up for the bonus. Keep for the 10% award discount.


Card Type: Visa Signature or Platinum

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 5X Wyndham & gas ⚬ 2X restaurants & grocery ⚬ 1X everywhere else

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

See also: Wyndham Earner credit cards review: Surprisingly strong

Hilton Honors American Express Card

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.


Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases

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)

See also: Hilton Amex Cards. Everything you need to know.

Best Western Rewards Premium MasterCard issued by First Bankcard

Card Type: Mastercard World

Base
Brand

Earning rate: 10X at Best Western properties ⚬ 2X elsewhere

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)

Choice Privileges® Visa Signature® Card issued by Barclays
32K points
32K points after $1K spend in first 90 days

No Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to 75K points + 4x everywhere: 50K after $1K spend in 90 days + 25K after $2K total spend in 180 days. 2 additional points per dollar for all spend until December 31, 2021 (for a total of 4 points per dollar on everyday purchases) [Expired 9/21]


Card Type: Visa Signature

Base
Brand

Earning rate: 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards ⚬ 2X everywhere else

Big spend bonus: Earn 8,000 annual bonus points after $10,000 in annual spend

Noteworthy perks: Automatic Gold status

Evergreen® by FNBO Business Edition® Credit Card

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.


Card Type: Visa

Base
2%

Earning rate: 2% everywhere

Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend

Emirates Skywards Premium World Elite Mastercard

Card Type: Mastercard World Elite

Base
Travel
Brand

Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else

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

Morgan Stanley Blue Cash Preferred® American Express Card

FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations


Card Type: Amex Credit Card

Base
1%
Travel
3%
Gas
3%
Grocery
6%
Shop
3%
Other
6%

Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back 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.

Big spend bonus: $100 after $15K card membership year spend

Noteworthy perks: Terms Apply. (Rates & Fees)

Virgin Atlantic White Card

Card Type: Mastercard World Elite

Base
Brand

Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere

Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend;

Free Spirit Travel Mastercard

Card Type: Masrercard World

Base
Brand

Earning rate: 2X Spirit

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

Delta SkyMiles® Reserve Business American Express Card
60K miles + 10K MQMs
60K Miles + 10K MQMs after $4K spend in 3 months. Terms apply. (Rates & Fees)

$550 Annual Fee

Recent better offer: 85K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 8/25/21]

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.


Card Type: Amex Credit Card

Base
Brand
Other
1.5X
(1.8%)

Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K

Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year ⚬ Throughout 2021, earn an additional 3,750 MQMs with $30K in purchases up to 4 times ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when you book your Delta flight with your Reserve card ⚬ Complimentary upgrades ⚬ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Citi® Expedia Rewards Credit Card

Card Type: Mastercard World

Base
Brand

Earning rate: 3X Expedia purchases

Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year

Noteworthy perks: Free Expedia+ Silver status

Korean Air SKYPASS Select Visa issued by US Bank

FM Mini Review: This is a very weak offer considering the hefty annual fee.


Card Type: Visa Signature

Base
Travel
Brand

Earning rate: 2X miles on Korean Air, Other Airlines, Car Rental, Hotels

Big spend bonus: 10K miles on anniversary with $35K in purchases

Noteworthy perks: 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

CNB Crystal Visa Infinite Credit Card

FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).


Card Type: Visa Infinite

Base
Travel
Dine

Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else

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)

See also: CNB Crystal Visa Infinite loses valuable perks as of Jan 1 2020

Citi® Expedia®+ Voyager Card

Card Type: Mastercard World

Base
Dine
Brand
Other

Earning rate: 4X Expedia purchases ⚬ 2x restaurants & entertainment

Big spend bonus: 5K anniversary bonus with $10K annual spend

Noteworthy perks: ⚬ $100 annual air travel fee credit ⚬ Expedia+ Gold status

U.S. Bank Business Cash Rewards World Elite Mastercard

Card Type: Visa Signature

Base
1%
Gas
3%
Phone
3%
Office
3%

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%.

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 (currently 13.99% to 22.99%)

Wells Fargo Visa Signature Card

Card Type: Visa Signature

Base

Earning rate: 5X gas, grocery, drugstore for 6 months

Big spend bonus: With $50K spend, points become worth 1.75 cents each towards airfare

Noteworthy perks: Points worth 1.5 cents each towards airfare ⚬ Points worth 1 cent each for most other redemption

See also: A card I wrongly ignored

X1 Card

FM Mini Review: This is can be a good option for those who want a single card with high cash-like rewards. The key is that you must only redeem points for statement charges where points are worth 1 cent each. Even then, this card is best only for those who spend over $15K per year, but less than $7,500 per month.


Card Type: Visa Signature

Base

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.

Big spend bonus: After spending $15,000 within your cardmember year, the base earning rate jumps to 3x. This is applied for both the first $15K of spend and future spend within the same cardmember year. Note that there is a $7,500 monthly cap on 3x rewards

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

U.S. Bank FlexPerks® Business Travel Rewards Visa® Card

FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.


Card Type: Visa Business

Base
Travel
Gas
Phone
Office
Other

Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).

Big spend bonus: $55 credit with $24K spend per cardmember year

Noteworthy perks: $25 airline fee credit when points are redeemed for flights

Uber Visa Card

FM Mini Review: The refreshed version of this card (as of 10/28/19) no longer earns cash back. Instead, it earns Uber Cash. This card only makes sense for the most die-hard of Uber fans.


Card Type: Visa Platinum or Signature

Base
Travel
Dine
Brand

Earning rate: 5% Uber Cash for Uber spend (including UberEATS) ⚬ 3% Uber Cash for dining, hotels, and airfare ⚬ 1% Uber Cash everywhere else

Big spend bonus: ⚬ Annual $50 subscription credit when you spend $5,000 in a year (good for things like Netflix, HBO NOW, Amazon Prime, etc) — note that this benefit kicks in during the second year if you spend $5K in year 1)

Noteworthy perks: Up to $600 mobile phone insurance against theft or damage when you charge your total monthly bill to the card ($25 deductible) ⚬ No foreign transaction fees

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card

FM Mini Review: This is a decent choice for uncapped 3% rewards at grocery stores. Otherwise this card is not exciting.


Card Type: Visa Signature

Base
Travel
Gas
Grocery
Phone
Other

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).

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

Spirit Airlines World Mastercard®

FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity.


Card Type: Masrercard World

Base

Earning rate: 2X everywhere

Big spend bonus: ⚬ 5K bonus miles when you spend $10K annually and pay your annual fee

Noteworthy perks: Zone 2 priority boarding

Avianca Vuela Visa Card

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Gas
Grocery
Brand

Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America

Big spend bonus: ⚬ 50% off one award ticket to Colombia or Central America after $12K spend ⚬ 50% off a 2nd award ticket to Colombia or Central America after $24K spend

Noteworthy perks: 15% discount on the purchase of miles

Barclays Arrival® Premier World Elite Mastercard®

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.


Card Type: Mastercard World Elite

Base

Earning rate: 2X Miles on all purchases

Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend

Noteworthy perks: ⚬ Chip wth PIN capability ⚬ $100 Global Entry credit once every 5 years ⚬ Lounge Key access (pay $27 per lounge visit) ⚬ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile).

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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!!

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.