On this page you’ll find the best publicly available credit card offers. If you’re looking for the best credit cards for spend, click the links below:
Best Category Bonuses | Best Rewards for Everyday Spend | Best Big Spend Bonuses
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Best Credit Card Offers (sorted by first year estimated value)
| Card Offer Mini |
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 Chase Southwest Airlines Rapid Rewards Priority Credit Card 30K points + Companion Pass through 2/28/21 |
 Chase Southwest Airlines Rapid Rewards Premier Credit Card 30K points + Companion Pass through 2/28/21 |
| Card Offer Mini |
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| Best of the Best Offers | Best Low Spend Offers | Best Business Card Offers |
| Best Airline Card Offers | Best Hotel Card Offers | Best Cash Back Offers |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express Credit Cards
Note: American Express is a Frequent Miler advertiser
| Amex App Tips |
1 welcome bonus per lifetime | Better offers may be available. Click for details. | Hard inquiries are combined into 1 when approved same day | You can have max 4 Amex credit cards and 10 charge cards |
| Amex is now the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus. | ||||
| Max 1 credit card approval per 5 days and 2 in 90 days, but no known limit for charge cards [2 credit cards in 1 day is possible when instantly approved] |
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| Check application status here. If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders) |
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American Express Credit Cards / Membership Rewards
Also see: Amex Airline Credit Cards, Amex Hotel Credit Cards, Amex Cash Back Credit Cards
| Card Offer and Details |
|---|
The Platinum Card® from American Express 100K points + 10x US Gas Stations and US Supermarkets 100K after $5K spend in first 6 months plus 10x on eligible purchases at US gas stations and US supermarkets on up to $15K in purchases in the first 6 months. Terms apply. (Rates & Fees) $550 Annual Fee FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Card Type: Amex Pay Over Time Card Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21) ⚬ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually, enrollment required) ⚬ $100 Global Entry fee reimbursement ⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton HHonors Gold status ⚬ Free Gold card AUs. Terms Apply. (Rates & Fees) See also: Amex Platinum Guide |
American Express® Gold Card 60K Points + up to $250 in statement credits 60K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees) $250 Annual Fee Recent better offer: This is the best we've seen FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. Card Type: Amex Pay Over Time Card Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees) Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Boxed.com, Shake Shack, Seamless/Grubhub, Cheesecake Factory and Ruth’s Chris Steakhouse) ⚬ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc |
The Business Platinum Card® from American Express 85K Points + 5X 85K points after $15K spend plus 5X in select categories (up to 80K each) in the first 3 months Terms apply. (Rates & Fees) $595 Annual Fee Some report being targeted for a 110K offer via refer-a-friend links like this one Recent better offer: 150K after $20K Spend (Targeted) FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Card Type: Amex Pay Over Time Card Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year) ⚬ 1X elsewhere Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees ⚬ Up to $200 a year in statement credits for Dell purchases ($100 Jan-June; $100 July-Dec) ⚬ $100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status See also: Amex Platinum Guide |
American Express® Business Gold Card 70K Points + up to $300 in statement credits 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases . Terms apply. (Rates & Fees) (Offer Expires 4/7/2021) $295 Annual Fee Alternate offer: Some people may be targeted for an offer of 90K Membership Rewards points after $10K in purchases in the first 3 months. See this post for more detail. FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories. Card Type: Amex Pay Over Time Card Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply. Noteworthy perks: 25% Airline Bonus. Get 25% points back after you use Pay With Points for all or part of a flight booked with American Express Travel if the flight is either on your selected qualifying airline or First or Business class, up to 250,000 points back per calendar year. Terms Apply. (Rates & Fees) |
American Express® Green Card Recent better offer: 50K afrer $2K spend FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations. Card Type: Amex Pay Over Time Card Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See Noteworthy perks: $100 CLEAR credit annually ⚬ $100 LoungeBuddy credit annually ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21). Terms Apply. |
The Platinum Card® from American Express for Schwab Card Type: Amex Pay Over Time Card Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $125) ⚬ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year. See also: Amex Platinum Guide |
The Platinum Card® from American Express Exclusively for Morgan Stanley FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. Card Type: Amex Pay Over Time Card Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel Big spend bonus: $500 after $100K cardmember year spend Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ 1 Free Authorized User ⚬ Redeem points for 1 cent each into your Morgage Stanley account ⚬ $550 Annual Engagement Bonus for Reserved Clients See also: Amex Platinum Guide |
Business Green Rewards Card from American Express 25K points 25K points after $3K spend in first 3 months. Terms & limitations apply. No Annual Fee First Year, Then $95 Card Type: Amex Pay Over Time Card Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. Noteworthy perks: None |
The Amex EveryDay® Preferred Credit Card from American Express FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Card Type: Amex Credit Card Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases. Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees |
The Blue Business℠ Plus Credit Card Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17) FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Card Type: Amex Credit Card Base 2X (3.1%) Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) |
The Morgan Stanley Credit Card from American Express FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply. Card Type: Amex Credit Card Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines Big spend bonus: $100 after $25K card membership year spend Noteworthy perks: Invest with rewards (1 point = 1 cent) |
The Amex EveryDay® Credit Card from American Express Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months. FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Card Type: Amex Credit Card Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express Credit Cards / Airlines
Also see: Amex Membership Rewards Credit Cards, Amex Hotel Credit Cards, Amex Cash Back Credit Cards
| Card Offer and Details |
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Delta SkyMiles® Gold Business Credit Card from American Express 40K Miles 40K miles after $2K spend in the first 3 months. Terms 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 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) |
Delta SkyMiles® Gold Credit Card from American Express 35K miles 35K miles after $1K spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee First Year, Then $99 Alternate offer: Some find they are targeted for a 50K offer. 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 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) |
Delta SkyMiles® Platinum Credit Card from American Express 40K miles + 5K MQMs + $100 40K miles + 5K MQMs after $2K spend + $100 after Delta purchase in the first 3 months. Terms apply. (Rates & Fees) $250 Annual Fee Alternate offer: Some find they are targeted for a 70K + $100 offer. Recent better offer: None FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Card Type: Amex Credit Card 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 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® Platinum Business Credit Card from American Express 45K miles + 5K MQMs 45K miles + 5K MQMs after $3K spend in the first 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 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 ⚬ Throughout 2021, earn an additional 2,500 MQMs with $25K in purchases up to two times. ⚬ 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® Blue Credit Card from American Express 10K miles 10K miles after $500 spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend. Card Type: Amex Credit Card Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees) |
Delta SkyMiles® Reserve for Business Credit Card 45K miles + 10K MQMs 45K miles + 10K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees) $550 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Card Type: Amex Credit Card 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 |
Delta SkyMiles® Reserve Credit Card from American Express 40K miles + 10K MQMs 40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees) $550 Annual Fee Alternate offer: Some find they are targeted for a 70K offer. Recent better offer: None 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 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 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 |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express Credit Cards / Hotels
Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Cash Back Cards
| Card Offer and Details |
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Hilton Honors American Express Aspire Card 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 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 weekend night 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 |
Hilton Honors American Express Business Card 150K Points + $150 statement credit $150 statement credit after first purchase + 150K after $2K spend in 3 months. Terms apply. (Rates & Fees) $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 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: Noteworthy perks: ⚬ Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. (Rates & Fees) |
Hilton Honors American Express Surpass Card 150K Points + $150 statement credit $150 statement credit after first purchase 150K after $2K in the first 3 months. Terms apply.(Rates & Fees) $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 Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases Big spend bonus: Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. (Rates & Fees) |
Hilton Honors American Express Card 100K Points + $100 statement credit $100 statement credit after first purchase 100K after $1K spend in 3 months. Terms apply. (Rates & Fees) No Annual Fee FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Ascend card. Card Type: Amex Credit Card 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) |
Marriott Bonvoy Business™ American Express® Card 75K Points + up to $150 in statement credits 75K points after $3K in eligible purchases in the first 3 months of card membership + up to $150 in statement credits for eligible purchases in the first 3 months. Terms apply. (Rates & Fees) $125 Annual Fee Card Type: Amex Credit Card Earning rate: 6x at Marriott Bonvoy properties ⚬ 4x U.S. restaurants, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ⚬ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Big spend bonus: Marriott Gold elite status with $35K annual spend ⚬ Earn an additional free night (good for one night at a redemption level at or under 35K points, subject to resort fees) after you spend $60K on purchases in a calendar year Noteworthy perks: 1 Free Night Award every year after your Card account anniversary for a one-niight redemption level at or under 35K points (subject to resort fees) ⚬ Complimentary premium Internet access at Marriott properties ⚬ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide |
Marriott Bonvoy Brilliant™ American Express® Card FM Mini Review: Decent ultra-premium option for Marriott fans, but Hilton fans may prefer the ultra-premium Hilton Aspire card. Card Type: Amex Credit Card Earning rate: 3X airfare charged by airline; 3X US restaurants, 6X Marriott; 2X on all other eligible purchases Big spend bonus: Platinum Elite status with $75K calendar year spend Noteworthy perks: ⚬ 50K Free Night Award each year upon renewal ⚬ $300 Marriott statement credit per membership year ⚬ Gold Elite status ⚬ 15 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 |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express Credit Cards / Cash
Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Hotel Cards
| Card Offer and Details |
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American Express Blue Business Cash™ Card Up to $500 in statement credits Up to $500 in statement credits: Earn a $250 statement credit after $5K in purchases in the first 6 months plus an additional $250 statement credit after another $10K in purchases in the first year. Terms apply. (Rates & Fees) No Annual Fee Card Type: Amex Credit Card Base 2% Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply. |
Blue Cash Everyday® Card from American Express Up to $300 back 20% back on Amazon purchases for the first 6 months, up to $200 back + $100 back after $1K in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee Card Type: Amex Credit Card Base 1% Gas 2% Grocery 3% Shop 2% Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply. Noteworthy perks: Terms Apply. (Rates & Fees) |
American Express Cash Magnet® Card $200 Cash Back $200 back after $1K in purchases in first 3 months. Terms apply. (Rates & Fees) No Annual Fee Card Type: Amex Base 1.5% Earning rate: 1.5% on all eligible purchases Noteworthy perks: See rates & fees. |
Blue Cash Preferred® Card from American Express $300 cash back $300 cash back as a statement credit after $1K in the first 3 months. Terms Apply. (Rates & Fees) $95 Annual Fee Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17) 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. Noteworthy perks: Terms Apply. (Rates & Fees) |
Amazon Business American Express Card Get a $125 Amazon Gift Card Eligible Prime members get a $125 Amazon.com Gift Card upon approval. No Annual Fee FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards. Card Type: Amex Credit Card Base 1% Dine 2% Gas 2% Grocery 5% Shop 5% Phone 2% Brand 5% Other 2% Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods. 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services |
The Plum Card® from American Express Up to $600 Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees) No Annual Fee First Year, Then $250 Card Type: Amex Pay Over Time Card Noteworthy perks: Terms and limitations apply. (Rates & Fees) |
Schwab Investor Card® from American Express FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend. Card Type: Amex Credit Card Base 1.5% Earning rate: 1.5% on all eligible purchases Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account. |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Bank of America Credit Cards
| BOA App Tips |
3/12 Rule: Difficult to get approved if you’ve opened 3 or more cards with any bank in past 12 months (7 cards in 12 months for those with deposit accounts) | To get same card again, some cards require waiting 24 months from opening. Others require waiting 24 months from closing. | Consumer card applications: Limit 2 per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months. | Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining. YMMV. | BOA appears to be enforcing a 5 personal card limit |
| Click here to check your application status If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards); |
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| Card Offer and Details |
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Air France KLM World Elite Mastercard 50K miles + 60XP points + $150 statement credit 50K miles + $150 statement credit after $2K in the first 3 months + 60XP points upon approval $89 Annual Fee Card Type: Mastercard World Elite 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. |
Alaska Airlines Visa Business Card 40K + $200 statement credit + Companion Fare 40K + $200 statement credit + Companion Fare ($99 + taxes) after $2K spend in 3 months $75 Annual Fee FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Card Type: Visa Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere Noteworthy perks: ⚬ $121+ coach companion pass every year |
Alaska Airlines Visa Signature Recent better offer: 65K after $8K spend expired 10/1/20 FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Card Type: Visa Signature Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere Noteworthy perks: ⚬ $121 companion pass every year ⚬ Free first checked bag for you and up to six other passengers on your reservation |
Free Spirit Travel More Mastercard 40K Points + $100 Voucher 40K points plus $100 companion voucher after $1K spend in 90 days No Annual Fee First Year, Then $79 Card Type: Masrercard World Elite 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 |
Amtrak Guest Rewards Platinum Mastercard 20K points + $100 statement credit 20K points + $100 statement credit after $1K spend in 90 days No Annual Fee Card Type: Mastercard Platinum Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions. See also: Amtrak Guest Rewards credit card review |
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 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) |
Bank of America Premium Rewards FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else. Card Type: Visa Signature Base 1.5% Travel 2% Dine 2% Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else Noteworthy perks: ⚬ $100 annual airline incidentals fee reimbursement ⚬ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ⚬ Up to 75% bonus for Preferred Rewards banking customers |
Amtrak Guest Rewards World Mastercard Recent better offer: 40K + $100 statement credit after $2.5K spend in 3 months Card Type: Mastercard World Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 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. See also: Amtrak Guest Rewards credit card review |
Bank of America Business Advantage Cash Rewards Mastercard Card Type: Mastercard Base 1% Travel 3% Dine 2% Gas 3% Phone 3% Office 3% Biz 3% Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. This means that you can earn up to 5.25% with this card! Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%. |
Virgin Atlantic World Elite Mastercard Card Type: Mastercard World Elite 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 |
BOA Business Advantage Travel Rewards World Mastercard Card Type: Mastercard World Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75% |
Asiana Airlines Visa Signature Card Type: Visa Signature Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana. Noteworthy perks: ⚬ 10,000 points awarded annually ⚬ $100 annual rebate on Asiana ticket purchases ⚬ 2 lounge invitations every year on card anniversary |
Bank of America Travel Rewards Card Type: Visa Signature Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers See also: Up to 2.625% back for timeshares, fortune tellers and more |
BOA Platinum Business Visa FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card. Card Type: Visa Platinum |
Bank of America Cash Rewards Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19] Card Type: Visa Signature Base 1% Travel 3% Dine 3% Gas 3% Grocery 2% Shop 3% Other 3% Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
Norwegian Cruise Line® World Mastercard® FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome bonus requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors. Card Type: Mastercard World Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel |
Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card Card Type: Mastercard World Base 1% Travel 3% Dine 3% Gas 3% Grocery 2% Shop 3% Other 3% Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%. Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
AAA Member Rewards Visa Signature Card Card Type: Visa Signature Base 1% Travel 3% Gas 2% Grocery 2% Shop 2% Brand 3% Other 2% Earning rate: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else Noteworthy perks: No foreign transaction fees |
Free Spirit Travel Mastercard Card Type: Masrercard World 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 |
Celebrity Cruises® Visa Signature® Credit Card FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Celebrity. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards. Card Type: Visa Signature Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
Allegiant World Mastercard® Credit Card FM Mini Review: Points are worth $0.01 each toward airfare and do not expire unless you cancel the card. If you cancel the card, you forfeit all points. Between that policy and the annual fee, this card probably isn't worth it in most scenarios. Card Type: Mastercard World Earning rate: 3x Allegiant ⚬ 2x dining Noteworthy perks: Priority Boarding and one free beverage every time you fly Allegiant and show your card. ⚬ BOGO airfare when you use your card to buy a vacation package with at least a 4-night hotel stay or 7-day car rental on a single itinerary |
Royal Caribbean® Visa Signature® Credit Card 10K points + $50 Air2Sea program discount 10K points + $50 airfare discount: 10K after first purchase in the first 90 days + $50 Air2Sea program discount after $3.5K total in first 90 days (excludes students) No Annual Fee FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards. Card Type: Visa Signature Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
Asiana Airlines Visa Business Card Card Type: Visa Earning rate: 2X Asiana Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights. |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Barclays
| Barclays App Tips |
No known rules against getting same card & bonus again, but getting approved may be difficult. | Hard inquiries combined into 1 when approved same day |
| Consumer: Click here to check your application status Business cards: Click here If denied, call reconsideration here: 866-710-2688 |
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| Card Offer and Details |
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AAdvantage® AviatorTM Business MasterCard® Up to 75K miles Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date $95 Annual Fee Recent better offer: Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date Card Type: Mastercard 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; $3K elite qualifying dollars (EQDs) with $25K calendar year spend Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding ⚬ 5% bonus on miles earned the previous year after AF is paid ⚬ Reduced mileage awards ⚬ 25% statement credit on in-flight purchases |
JetBlue Business Card Up to 60K Miles Up to 60K miles: 50K after $1K spend in 90 days plus 10K after a purchase is made on an employee card within 90 days $99 Annual Fee Recent better offer: None. This is the best we've seen. 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 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 Aviator Red World Elite MasterCard Alternate offer: There is an in-flight offer for 60K after first purchase with the 1st year fee waived. See this link; code 999999 may work for the promo code. Recent better offer: None. This is the best we've seen. Card Type: Mastercard World Elite Earning rate: ⚬ 2X AA ⚬ 1X everywhere else Big spend bonus: Starting May 2019: 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 ⚬ Reduced mileage awards ⚬ 25% off in-flight purchases ⚬ $25 wifi credit per membership year ⚬ Flight cents: round up purchases to earn more miles |
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays Up to 75K miles Up to 75K miles: 50K after $3K spend in 90 days + 25K miles after $20K spend in first year $89 Annual Fee Recent better offer: None. This is the best we've seen. Card Type: Mastercard World Earning rate: 2X Miles & More Noteworthy perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee |
Emirates Skywards Rewards World Elite Mastercard Card Type: Mastercard World Elite 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 |
Barclays JetBlue Plus Mastercard 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 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 |
The Hawaiian Airlines® Business MasterCard® issued by Barclays Up to 70K miles Up to 70K miles: 60K after $1K in the first 90 days + 10K after a purchase is made on an employee card $99 Annual Fee Recent better offer: 60K after $1K in the first 90 days + 10K after first purchase on an employee card [Expired 8/19] Card Type: Mastercard World Elite 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 |
Choice Privileges® Visa Signature® Card issued by Barclays Recent better offer: 64K points: 32K after $1K spend in 90 days + 32K after an additional $2K spend within the first 180 days Card Type: Visa Signature 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 |
Frontier Airlines World MasterCard® Card Type: Mastercard World 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. |
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays Alternate offer: You may be able to get 60K miles after 1st purchase via paper application distributed in-flight. Recent better offer: 50K after $2K spend in 90 days + 25K after $6K total in first 12 months Card Type: Mastercard World Elite Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else Noteworthy perks: Free checked bag ⚬ One time 50% off companion ticket ⚬ $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary |
JetBlue Card Recent better offer: 9/2017: 15K after $1K spend FM Mini Review: Not bad for a fee-free airline card. Card Type: Mastercard World Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬ Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies. See also: Barclaycard JetBlue offers are live and worth a look |
Emirates Skywards Premium World Elite Mastercard Card Type: Mastercard World Elite 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 |
Wyndham Rewards Earner Plus Card FM Mini Review: Not bad, but the business version is better. Card Type: Visa Signature or Platinum Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else Noteworthy perks: 7,500 points each anniversary year ⚬ Platinum 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 |
Wyndham Rewards Earner Business Card FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. Card Type: Visa Signature Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else Noteworthy perks: 15,000 points each anniversary year ⚬ Diamond 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 |
Wyndham Rewards Earner Card FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. Card Type: Visa Signature or Platinum 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 |
Wyndham Rewards Visa issued by Barclays 30K points 30K: 15K after first purchase plus 15K after $1,000 spend in 90 days (note that you'll need to choose the annual fee card after clicking through) $75 Annual Fee FM Mini Review: This card is great for its signup bonus (when the 45K bonus is available). For some, the card is worth keeping for its 6,000 bonus points per year + status w/ Wyndham & Caesar's. Card Type: Visa Signature or Platinum Earning rate: ⚬ 5X Wyndham ⚬ 2X gas, utility, & grocery ⚬ 1X everywhere else Noteworthy perks: 6,000 bonus points every account anniversary ⚬ Platinum status (matches to Caesar's Total Rewards Platinum) |
Wyndham Rewards Visa issued by Barclays (no annual fee) Card Type: Visa Signature or Platinum Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else Noteworthy perks: Gold status |
Upromise World MasterCard® issued by Barclays FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend. Card Type: Mastercard Noteworthy perks: When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 15% bonus on your total cash back earned |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Capital One
| Capital One App Tips |
There is no known rule against getting the same card and bonus again even if you still have the card open | Must wait 6 months after application before applying for another Capital One card | Most credit inquiries go through all 3 bureaus | You can have max 2 Capital One personal cards (not counting co-brands) |
| To check application status, call (800) 903-9177 or (877) 277-5901 If denied, call reconsideration here: (800) 625-7866 |
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| Card Offer and Details |
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Capital One Venture Rewards Credit Card 60K "Miles" Earn 60K bonus miles when you spend $3K on purchases in the first 3 months from account opening $95 Annual Fee Recent better offer: 100K after $20K total in first year [Expired 12/14/21] FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles at a 2 to 1.5 ratio. Card Type: Visa Signature Earning rate: 2X everywhere. Noteworthy perks: Receive up to $100 application fee credit for Global Entry or TSA Pre✓® ⚬ Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees |
Capital One Spark Miles Business Credit Card 50K "miles" Earn a one-time bonus: 50K "miles" after $4.5K spend in the first 3 months from account opening No Annual Fee First Year, Then $95 Note: Capital One Business cards DO count against Chase's 5/24 Rule Recent better offer: Earn up to 200K "miles": 50K after $5K spend in the first 3 months from account opening and an additional 150K after $50K spend in the first 6 months from account opening [Expired 1/27/20 and breifly available in 2021] FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards are intended to be used to offset travel purchases. One big advantage over cash back: Capital One allows transfering their "miles" to airline miles at a 2 to 1.5 ratio and "miles" can be combined with other cards or other customers. Card Type: Mastercard Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees ⚬ Fee credit for either $85 TSA Pre✓® application fee or $100 Global Entry application fee |
Capital One Spark Cash Business Credit Card $500 Cash back Earn a one time bonus: $500 cash back after $4.5K spend in 3 months from account opening. No Annual Fee First Year, Then $95 Note: Most Capital One Business cards count against Chase's 5/24 Rule, but this one DOES NOT Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening. [Last available in early 2020 and briefly in 2021] FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards. Card Type: Visa Signature Base 2% Earning rate: 2% everywhere Noteworthy perks: No foreign transaction fees |
Capital One Quicksilver FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify. Card Type: Mastercard Base 1.5% Earning rate: 1.5% everywhere Noteworthy perks: No foreign transaction fees |
Capital One Savor $300 Cash Back Earn a one time bonus: $300 after $3K spend in 3 months from account opening No Annual Fee First Year, Then $95 FM Mini Review: Excellent cash back card for dining and entertainment spend. Card Type: Mastercard Base 1% Dine 4% Grocery 2% Other 4% Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 8% back on tickets at Vivid Seats through May 2020 ⚬ 1% everywhere else Noteworthy perks: No foreign transaction fees |
Capital One VentureOne Rewards Credit Card FM Mini Review: Decent welcome bonus for a fee-free card, but other cards offer better rewards for ongoing spend. Card Type: Visa Signature or Platinum Earning rate: 1.25X everywhere. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees |
Capital One SavorOne Cash Rewards Credit Card Card Type: Mastercard Base 1% Dine 3% Grocery 2% Other 3% Earning rate: ⚬ 3% on dining & entertainment ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else Noteworthy perks: No foreign transaction fees |
Capital One Spark Miles Select Business Credit Card FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card. Card Type: Mastercard Earning rate: 1.5X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees |
Capital One Spark Cash Select Business Credit Card $200 Cash Back One time bonus: $200 after $3,000 spend in 3 months from account opening No Annual Fee FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend more than $19,000 per year, though, you would be better off with the 2% Spark Cash card. Card Type: Visa Signature Base 1.5% Earning rate: 1.5% everywhere Noteworthy perks: No foreign transaction fees |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Chase Credit Cards
| Chase App Tips |
Must wait 24 months after previous bonus to signup for same card. Sapphire cards require 48 months. No wait required for Ink cards. | Better offers may be available. Click for details. | 5/24 Rule: Difficult to get approved if you’ve opened 5 or more cards in past 24 months | Hard inquiries combined into 1 when approved same day | Usual max 2 new cards per month (but rule seems to vary) |
| Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them. | |||||
| Call (888) 338-2586 to check your application status If denied, call reconsideration here:1-888-270-2127 for both personal and business cards |
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Chase Credit Cards / Ultimate Rewards
Also see: Chase Airline Cards, Chase Hotel Cards, Chase Cash Back Cards
| Card Offer and Details |
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Chase Ink Business Preferred Card See: How to sign up for Chase Ink cards Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere. Card Type: Visa Signature Business Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
Chase Ink Business Unlimited FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Card Type: Visa Signature Business Earning rate: 1.5X on all purchases ⚬ 5X Lyft See also: Chase Ultimate Rewards Complete Guide |
Chase Ink Business Cash Credit Card FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Card Type: Visa Signature Business Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants ⚬ 5X Lyft See also: Chase Ultimate Rewards Complete Guide |
Chase Sapphire Preferred Card 60K Points + up to $50 in statement credits 60K after $4K spend in 3 months + up to $50 in statement credits for grocery purchases within the first year $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 80K after $4K Spend (Expired 11/9/20) FM Mini Review: Great signup bonus. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited in order to unlock ability to transfer points to airline and hotel partners. Card Type: Visa Signature Earning rate: 2X Travel and Dining ⚬ 5X Lyft (through March 2022) Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass for at least 1 year (activate by 12/31/21) See also: Chase Ultimate Rewards Complete Guide |
Chase Sapphire Reserve Card FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash Card Type: Visa Infinite Earning rate: 3X Travel and Dining ⚬ 10X Lyft (through March 2022) Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $60 annual DoorDash credit in 2020 & 2021 ⚬ Free DashPass for at least 1 year (activate by 12/31/21) ⚬ One year Lyft Pink membership ⚬ Earn 10X on Lyft spend See also: Chase Ultimate Rewards Complete Guide |
Chase Freedom Unlimited 20K points Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Recent better offer: 20K points + 5x on up to $12K in groceries for first year [Expired 1/13/21] FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Card Type: Visa Signature or Platinum Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else Noteworthy perks: Free DashPass for up to 3 months upon activation See also: Chase Ultimate Rewards Complete Guide |
Chase Freedom Flex 20K points Earn 20,000 points (worth $200 cash back) after $500 spend in 3 months. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Recent better offer: 20K points + 5x on up to $12K in groceries for first year [Expired 1/13/21] FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Card Type: Mastercard World Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter. Q1 2021: 5X Wholesale Clubs; Internet, Cable, and Phone; Select Streaming Services Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ Cell phone protection ⚬ Lyft credits See also: Chase Ultimate Rewards Complete Guide |
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Chase Credit Cards / Airlines
Also see: Chase Ultimate Rewards, Chase Hotel Cards, Chase Cash Back Cards
| Card Offer and Details |
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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 Earning rate: 2X at restaurants, 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 saver award availability ⚬ Last seat standard award availability ⚬ Free first checked bag ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year at anniversary ⚬ 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 on United in-flight purchases |
Southwest Rapid Rewards Performance Business Credit Card Up to 100K points Up to 100K points: 70K after $5K spend in first 3 months + 30K points after a total of $25K spend in first 6 months $199 Annual Fee Card Type: Visa Signature Earning rate: 3X Southwest ⚬ 2x on social media and search engine advertising, Internet, cable and phone services 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: 9000 bonus points each year upon card renewal. |
Chase Southwest Airlines Rapid Rewards® Premier Business Card This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None. This is the highest public offer we've seen. FM Mini Review: Great for signup bonus, but consider cancelling after first year. Card Type: Visa Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 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: 6000 bonus points each year upon card renewal. |
Chase United Explorer Card Up to 65K Miles Up to 65K miles: 40K after $2K spend in 3 months + 25K after $10K total spend in first 6 months No Annual Fee First Year, Then $95 This card is subject to Chase's 5/24 rule (click here for details). Alternate offer: $250 statement credit after first purchase + 25K miles after $2K in the first 3 months. You may find this offer during the booking process or can possibly access it here. Recent better offer: 60K after $3K spend in 3 months plus 10K after $6K in 6 months [Expired 1/13/21] 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 |