Update: The promotion for which this post was based was an error which has now been fixed. The promo was intended only for a specific set of targeted users in Canada for Plastiq’s tax season campaign.
Plastiq is a service that lets you pay almost any bill with a credit card (read our complete guide here). Plastiq usually charges 2.5%, but they are currently running an unadvertised promotion where they charge only 1.5% for payments made with Mastercard credit cards. As long as you have a Mastercard that earns better than 1.5%, this can be a great way to pay your rent or mortgage, make tax payments, pay contractors, etc.
In this post, I’ve listed the best Mastercard credit cards to use for Plastiq bill payments in four categories: retention offers, signup offers, base spend (e.g. which Mastercards earn the best rewards for everyday spend), and big spend bonuses. In all of these cases, Plastiq can be a great way to increase spend in order to earn more points.
In addition to looking at the best picks from each list below, it’s interesting to note where multiple lists overlap. For example, the Virgin Atlantic Mastercard offers good value for spend (1.5X miles per dollar), but also offers bonuses with high spend: 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend; Also: 25 tier point towards elite status per $2,500 spend (max 50 tier points per month). Similarly, the CitiBusiness AAdvantage card currently has the top Mastercard signup offer, but also offers a big spend bonus: get a domestic companion ticket with $30K spend.
Ultimately, the best choice for you depends on which cards you currently have and whether or not you want to apply for new ones.
Best Mastercard retention offers
Most Citi credit cards are Mastercards. If you have any, it’s worth calling Citibank occasionally to tell an agent (not the computer!) that you want to cancel your card. You may then be given offers to encourage you to keep your card. A common retention offer for cards that earn ThankYou points is for 2 extra points per dollar, with a maximum of 35K bonus points.
Other Mastercard issuers may have good retention offers too, so it may be worth calling them as well.
Best Mastercard signup offers
The following list shows the best signup offers for Mastercard credit cards sorted with best estimated first year value on top:
| Card Offer |
|---|
75K Miles + up to $200 in statement credits ⓘ Non-Affiliate Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)$95 Annual Fee Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Limited Time Offer: Up to 175K points ⓘ Affiliate 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 $99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). |
75K miles ⓘ Non-Affiliate 75K miles after $5K spend in first 5 months$0 introductory annual fee for the first year, then $99 Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
70K Miles ⓘ Non-Affiliate 70K miles after $1K in spend in 90 days and payment of annual fee. Application requires a promo code. Any five digit number (like 00000) will work.$99 Annual Fee Recent better offer: Expired 9/22: 80K after $1K spend in 90 days |
Up to 70K Miles ⓘ Friend-Referral Up to 70K miles: 60k miles after 1st purchase and paying the annual fee within 90 days + 10K miles when you add an authorized user & they make a purchase within first 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] |
70K miles + 100XP ⓘ Non-Affiliate 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval$89 Annual Fee Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that 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] |
140K Points ⓘ Affiliate 140K points after $3K spend in 3 months$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 175K after $3K in spend (expired 4/6/23) |
$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 |
60K Miles ⓘ Non-Affiliate 60K miles after $3,000 spend in first 3 months$0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Affiliate Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95 |
60K Points ⓘ Affiliate Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.$95 Annual Fee |
50K Miles ⓘ Friend-Referral 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against 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. |
$750 Cash Back ⓘ Affiliate Earn a $750 bonus aftet you spend $6K in 3 months from account opening. (Rates & Fees)No Annual Fee |
45K Points + $100 Voucher + $100 Statement Credit ⓘ Non-Affiliate 45K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days$0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K Points ⓘ Affiliate 60K 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). |
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 |
65K points + $100 statement credit ⓘ Non-Affiliate 60K points and $100 statment credit after $1K spend in 90 days plus 5K points for adding an authorized user$0 introductory annual fee for the first year, then $75 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Non-Affiliate 50K Miles after $3K spend in 90 days + payment of the annual fee$89 Annual Fee Recent better offer: Expired 1/1/23: 100K Miles after $3K spend in 90 days |
80K Points ⓘ Affiliate 80K points after $2K spend in 3 monthsNo Annual Fee Recent better offer: 120K after $2K spend (expired 7/4/22) |
75K points ⓘ Non-Affiliate 75K after $10K spend in 120 days$195 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 60K miles ⓘ Non-Affiliate Up to 60K miles: 40K miles after $500 in purhcases & payment of the annual fee in the first 90 days + 20,000 miles after $2K in total purchases in first 6 months.$89 Annual Fee |
$500 statement credit ⓘ Non-Affiliate $500 statement credit after $5K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate 20K points after $1K spend in the first 3 billing cycles $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes |
65K Miles ⓘ Non-Affiliate 65K miles after one purchase in first 90 days by entering any 6 digit code (such as 123456)$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 70K miles ⓘ Non-Affiliate 60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
60K Points ⓘ Non-Affiliate 60K after $3K spend in first 3 months$0 introductory annual fee for the first year, then $95 |
12K points ⓘ Non-Affiliate 12K points after $1K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
35K points ⓘ Non-Affiliate 35K points after $3K in 3 months$0 introductory annual fee for the first year, then $95 Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free) |
20K points ⓘ Affiliate $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 Citi ThankYou points.No Annual Fee |
80K points ⓘ Non-Affiliate 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. |
20K miles ⓘ Affiliate Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)No Annual Fee |
20K Points ⓘ Affiliate 20K points after $1500 spend in the first 6 monthsNo Annual Fee Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months |
20K points ⓘ Affiliate 20K points after $1.5K spend in 3 months No Annual Fee |
30K points ⓘ Non-Affiliate 30K after $3K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K Points ⓘ Non-Affiliate 40K after $1K spend in first 3 monthsNo Annual Fee |
$300 Cash Back ⓘ Non-Affiliate Earn a one time bonus: $300 after $3K spend in 3 months from account opening$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. |
30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days$99 Annual Fee |
15K miles ⓘ Non-Affiliate Earn 10K AA miles after $500 spend in 3 monthsNo Annual Fee |
$300 Cash Back ⓘ Non-Affiliate $300 after $3000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
70K miles ⓘ Affiliate 70K miles after $7,000 spend in first 3 months$595 Annual Fee |
$225 Cash Back ⓘ Non-Affiliate $75 statement credit for every $500 spent within the first 90 days, up to $225No Annual Fee |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
$200 Back ⓘ Non-Affiliate $200 back after $1K spend in 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
15K miles ⓘ Non-Affiliate 15K points after $1K spend in 90 days. Application requires a promo code. Any five digit number (like 00000) will work.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K Points ⓘ Non-Affiliate 20K after $1K spend in the first 90 daysNo Annual Fee |
25K miles ⓘ Non-Affiliate 25K after $1K in first 90 days$59 Annual Fee Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 cash back ⓘ Non-Affiliate 20K points (worth $200) after $3K spend in the first 60 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $500 spend in first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash back ⓘ Non-Affiliate $100 cash back after $500 spend in the first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 10/31/22: $150 after $500 in spend |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in 3 monthsNo Annual Fee |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in 3 monthsNo Annual Fee |
$100 statement credit ⓘ Non-Affiliate $100 statement credit after $1K Spend in 3 MonthsNo Annual Fee |
$100 Statement Credit ⓘ Non-Affiliate $100 bonus after $1K spend within the first 60 days (Offer Expires 4/30/2024)No Annual Fee |
10K points + 10K Tier Credits ⓘ Non-Affiliate 10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K points ⓘ Non-Affiliate 50K after $4K spend in 3 months$395 Annual Fee |
None ⓘ Affiliate There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.No Annual Fee Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate There is currently no welcome bonus offered.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
3% back for 12 months ⓘ Non-Affiliate 3% cash back for 12 months on up to $20K in purchasesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
0% APR ⓘ Non-Affiliate 0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link |
None ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days$499 Annual Fee |
Best Mastercard credit cards for Plastiq (base) spend
Mastercard big-spend bonuses
This table lists all of the Mastercards we know of that give bonuses with big spend. Since we don’t have estimates for the value of each big spend offer, we’ve sorted cards by value for base spend:
| Card Offer and Details |
|---|
20K points ⓘ Non-Affiliate 20K points after $1K spend in the first 3 billing cycles $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
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 |
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). |
$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 |
70K miles + 100XP ⓘ Non-Affiliate 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval$89 Annual Fee Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that 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 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. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month). |
Limited Time Offer: Up to 175K points ⓘ Affiliate 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 $99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases Base: 3X (1.89%) Travel: 5X (3.15%) Dine: 5X (3.15%) Gas: 5X (3.15%) Office: 5X (3.15%) Brand: 10X (6.3%) Card Info: Mastercard World Elite issued by Chase. This card has no foreign 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) |
140K Points ⓘ Affiliate 140K points after $3K spend in 3 months$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 175K after $3K in spend (expired 4/6/23) Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases 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) |
None This card is no longer available$95 Annual Fee This card is no longer available to new applicants. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings) Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending See also: Citi ThankYou Rewards Complete Guide |
15K miles ⓘ Non-Affiliate 15K points after $1K spend in 90 days. Application requires a promo code. Any five digit number (like 00000) will work.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Not bad for a fee-free airline card. Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies. |
Up to 60K Miles ⓘ Non-Affiliate Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days$99 Annual Fee FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one offers Group A boarding and earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers. Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
70K Miles ⓘ Non-Affiliate 70K miles after $1K in spend in 90 days and payment of annual fee. Application requires a promo code. Any five digit number (like 00000) will work.$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 Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
75K miles ⓘ Non-Affiliate 75K miles after $5K spend in first 5 months$0 introductory annual fee for the first year, then $99 Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases |
60K Miles ⓘ Non-Affiliate 60K miles after $3,000 spend in first 3 months$0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: $125 AA Flight Discount with $20K membership year spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases |
60K Points ⓘ Affiliate 60K 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 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) |
This card is no longer available for new applications $49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend; |
40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days$499 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus miles with $30K spend per membership year ✦ Maintain Emirates Skywards Gold status with $40K spend per membership year (Gold status offers cardmember and guest lounge access to Emirates Business Class lounges worldwide) Noteworthy perks: Priority Pass Select ✦ Global Entry Fee Credit ✦ 25% discount when buying miles ✦ No foreign transaction fees |
30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days$99 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Maintain Emirates Skywards Silver status with $20K spend per membership year (Silver status offers cardmember lounge access to Emirates Business Class lounges in Dubai only) Noteworthy perks: 25% discount when buying miles ✦ No foreign transaction fees |
Not currently available It appears that this card is not available at this time.$95 Annual Fee Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days. Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $99 companion certificate with $30K account year spend Noteworthy perks: ✦ First checked bag free ✦ Preferred boarding ✦ 5% bonus on miles earned the previous year after AF is paid ✦ 25% statement credit on in-flight purchases |
Up to 70K Miles ⓘ Friend-Referral Up to 70K miles: 60k miles after 1st purchase and paying the annual fee within 90 days + 10K miles when you add an authorized user & they make a purchase within first 90 days.$99 Annual Fee Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] Earning rate: 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend. Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles |
Available by invitation only $195 Annual Fee FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile. Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate for up to 2 companions with $20K membership year spend. ✦ Earn up to 15,000 bonus Loyalty Points per status qualification period: Earn 5K bonus points at $20K spend, $40K spend, and $50K spend Noteworthy perks: $25 per day in-flight food & beverage credit ✦ First checked bag free ✦ Priority Boarding ✦ $100 Global Entry application fee credit ✦ 25% off in-flight purchases ✦ $50 wifi credit per membership year ✦ Round up purchases to earn more miles |
80K Points ⓘ Affiliate 80K points after $2K spend in 3 monthsNo Annual Fee Recent better offer: 120K after $2K spend (expired 7/4/22) FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit. Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else Card Info: Mastercard World issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points after $10K in purchases and one additional purchase each calendar year ✦ Gold status after $20K in purchases and one additional purchase each calendar year. Noteworthy perks: Fourth night free on award stays ✦ 20% discount on points purchases ✦ No foreign transaction fees |
45K Points + $100 Voucher + $100 Statement Credit ⓘ Non-Affiliate 45K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days$0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else 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 |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2X Spirit Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ 5K bonus miles each anniversary when you spend $10K within prior year Noteworthy perks: Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding |
80K points ⓘ Non-Affiliate 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 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) |
Up to 60K miles ⓘ Non-Affiliate Up to 60K miles: 40K miles after $500 in purhcases & payment of the annual fee in the first 90 days + 20,000 miles after $2K in total purchases in first 6 months.$89 Annual Fee Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $100 discount voucher after $2,500 in annual spend. Noteworthy perks: ✦ 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. |
65K points + $100 statement credit ⓘ Non-Affiliate 60K points and $100 statment credit after $1K spend in 90 days plus 5K points for adding an authorized user$0 introductory annual fee for the first year, then $75 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Best for those who stay often at Sonesta hotels Earning rate: 2X airfare, car rental and dining ✦ 3X Sonesta 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) |
Up to 70K miles ⓘ Non-Affiliate 60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else 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 |
15K points 15K after $1K spend in 3 monthsNo Annual Fee Earning rate: 3X Expedia purchases Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year Noteworthy perks: Free Expedia+ Silver status |
25K points 25K after $2K spend in 3 months$95 Annual Fee Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 5K anniversary bonus with $10K annual spend Noteworthy perks: ✦ $100 annual air travel fee credit ✦ Expedia+ Gold status |
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Interesting. I appear to have enjoyed some of the benefits, though. Any danger of a clawback by plastiq?
I don’t know. Plastiq hasn’t answered my questions about that.
How about the Citi Double Cash card?
As far as I know, paying bills with Plastiq does NOT get 3x with AT&T Access More, anymore. If anyone has a recent contrary data point I would be very interested.
That’s correct.