This page contains the best publicly available credit card offers. With some of the offers shown below, we’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, we always show the better offer even if it means no commissions for us. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclays, Capital One, and CardRatings.com
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 one of these links: Best Category Bonuses, Best Rewards for Everyday Spend, Best Big Spend Bonuses.
If you find the list of great offers below overwhelming, you may be interested instead in Greg’s curated list of favorite offers: Greg’s Top Picks.
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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)
Best Consumer Card Offers
| Card Offer Mini |
|---|
 |
 Hilton Honors American Express Aspire Card 150K Points + free night certificate ⓘ $1097 1st Yr Value Estimate |
Capital One Venture Rewards Credit Card 75K Miles + up to $200 in statement credits ⓘ $1089 1st Yr Value Estimate |
|
|
|
 |
|
|
|
 Marriott Bonvoy Brilliant® American Express® Card 2 x 85K Free Night Certificates ⓘ $616 1st Yr Value Estimate |
 |
|
|
|
|
|
|
|
Emirates Skywards Rewards World Elite Mastercard 30K Miles + 1 Year Silver status ⓘ $240 1st Yr Value Estimate |
|
|
|
Schwab Investor Card® from American Express $200 Cash Back as a statement credit ⓘ $185 1st Yr Value Estimate |
|
|
 |
|
|
|
 |
Discover it Miles - Double Miles your first year $100 + First Year Double ⓘ $100 1st Yr Value Estimate |
|
|
|
|
|
|
 |
|
|
Emirates Skywards Premium World Elite Mastercard 40K Miles + 1 Year Gold status ⓘ $-30 1st Yr Value Estimate |
Best Business Card Offers
| Card Offer Mini |
|---|
 Delta SkyMiles® Gold Business American Express Card Limited Time Offer: Up to 80k miles ⓘ $938 1st Yr Value Estimate |
|
 Delta SkyMiles® Platinum Business American Express Card Limited Time Offer: Up to 100k miles ⓘ $914 1st Yr Value Estimate |
 |
 |
 Delta SkyMiles® Reserve Business American Express Card Limited Time Offer: Up to 110k miles ⓘ $676 1st Yr Value Estimate |
|
|
|
|
Business Advantage Unlimited Cash Rewards credit card $300 statement credit ⓘ $255 1st Yr Value Estimate |
|
 |
|
 |
|
| 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 |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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 5 Amex credit cards and 10 Pay Over Time cards |
| Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application (and they don’t usually issue a hard pull when approved if you’re an existing Amex cardholder). Plus, they’ll warn you during the application process if you’re not eligible for the bonus. | ||||
| Max 2 credit cards in 90 days, but no known limit for Pay Over Time (charge) cards | ||||
| Check application status here. If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders) |
||||
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 |
|---|
150K points 150K after $8K spend in 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22] 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. 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 Card Type: Amex Pay Over Time Card Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline per calendar year ⚬ $200 prepaid hotel credit per calendar year valid on Fine Hotels & Resorts and The Hotel Collection bookings (Hotel Collection requires a two-night stay) ⚬ Up to $300 in Equinox statement credits. ⚬ Up to $20 per month rebate for select digital entertainment services (Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal) ⚬ $189 CLEAR fee reimbursement per calendar year ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card(R). An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required ⚬ $12.95 (+tax) monthly credit for Walmart+ monthly membership subscription credit when you pay with Platinum card ⚬ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually, enrollment required) ⚬ Card members are eligible to receive a statement credit every 4 years for the application fee for Global Entry fee when charged to an aligible card and a statement credit every 4.5 years for the application fee for TSA PreCheck® when charged to an eligible card ⚬ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton HHonors Gold status ⚬ Free Companion Platinum card AUs (previously known as Gold AUs). Terms Apply. (Rates & Fees) See also: Amex Platinum Guide |
150K points 150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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. Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply. Card Type: Amex Pay Over Time Card Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees (select one qualifying airline and then receive up to $200 in statement credits per calendar year for qualifying charges) ⚬ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ⚬ Up to $120 in wireless services credits per year ($10 per month) ⚬ Up to $360 per year in credit with Indeed (up to $90 per quarter ⚬ Up to $150 per year in purchases with Adobe for annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign ⚬ $100 Global Entry fee reimbursement.⚬ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status. ⚬ $189 CLEAR fee reimbursement annually (cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year when you charge your CLEAR membership to your Business Platinum card) ⚬ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits See also: Amex Platinum Guide |
125K points 125K after $6K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after 6k spend [Expired 1/20/23] FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel Card Type: Amex Pay Over Time Card Big spend bonus: $500 after $100K cardmember year spend Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ 1 Free Authorized User ⚬ Redeem points for 1 cent each into your Morgage Stanley account ⚬ $695 Annual Engagement Bonus for Platinum CashPlus accounts See also: Amex Platinum Guide |
90K points 90K points after $4K in purchases in the first 6 months. Terms apply. (Rates & Fees)$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 90K after $4K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22] 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. 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) Card Type: Amex Pay Over Time Card Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Goldbelly, Wine.com, Milk Bar, Shake Shack, Seamless/Grubhub, Cheesecake Factory) ⚬ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ⚬ $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 ⚬ Enrollment required for select benefits. |
80K points 80K after $6K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. 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: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22] 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 Card Type: Amex Pay Over Time Card 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 = $110) ⚬ $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 |
70K Points 70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)$295 Annual Fee 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. 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. Card Type: Amex Pay Over Time Card Noteworthy perks: 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Terms Apply. (Rates & Fees) |
40K Points 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] 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. Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See Card Type: Amex Pay Over Time Card Noteworthy perks: $189 CLEAR credit annually ⚬ $100 LoungeBuddy credit annually Terms Apply. |
10K Points 10K after $1K spend in 3 months. Terms 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. FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases Card Type: Amex Credit Card 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 13.24% to 24.24% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees |
15K Points 15K after $1K spend in 3 months. Terms apply.$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K after $2K in first 3 months FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. 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. Card Type: Amex Credit Card 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 |
15K points 15K points after $3K spend in first 3 months. Terms & limitations apply. $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. Card Type: Amex Pay Over Time Card Noteworthy perks: None |
0% APR for 12 months 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) Base: 2X (3.1%) Card Type: Amex Credit Card |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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 |
|---|
Limited Time Offer: Up to 80k miles 75k after $6k spend in first 6 months, plus an additional 5k miles after an eligible Delta purchase within the first 6 months. Offer ends 10/25/23. Terms and limitations apply. (Rates & Fees)$0 introductory annual fee for the first year, then $99 Recent better offer: 75K after $2K spend in first 3 months [Expired 3/29/23] FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. Earning rate: 2X Delta ⚬ 2X restaurants ⚬ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24) Card Type: Amex Credit Card Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ⚬ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
Limited Time Offer: Up to 100k miles 90k after $8k spend in first 6 months, plus an additional 10k miles after an eligible Delta purchase within the first 6 months. Offer ends 10/25/23. Terms and limitations apply. (Rates & Fees)$250 Annual Fee Recent better offer: 95K after $4K in first 3 months [Expired 3-29-23] FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year) Card Type: Amex Credit Card Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs (ends 1/1/24) ⚬ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ⚬ Terms and limitations apply. Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ⚬ Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees) |
Limited Time Offer: Up to 110k miles 100k after $12k spend in first 6 months, plus an additional 10k miles after an eligible Delta purchase within the first 6 months. Offer ends 10/25/23. Terms apply. (Rates & Fees)$550 Annual Fee Recent better offer: Expired 8/2/23: 100K after spending $6K in first 3 months FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Earning rate: 3X Delta ⚬ 1.5X on all eligible purchases per calendar year after spending $150K Card Type: Amex Credit Card Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year (ends 1/1/24) ⚬ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ⚬ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ⚬ Terms and limitations apply. Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ⚬ Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access (starting 2/1/25, 10 visits per year or unlimited visits after spending $75K/calendar year on the card) ⚬ 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 |
40K miles 40K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)$0 introductory annual fee for the first year, then $99 Recent better offer: 70K after $2K spending in first 3 months [Expired 3/30/23] FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets Card Type: Amex Credit Card Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ⚬ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
50K miles 50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$250 Annual Fee Recent better offer: 85K after $4K spending in first 6 months [Expired 8/2/23] FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets Card Type: Amex Credit Card Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs (ends 1/1/24) ⚬ Medallion Qualifying Dollar waiver up to Platinum status with $25K spend across one or more Delta cards or $250K spend for Diamond status (ends 1/1/24) ⚬ Terms and limitations apply. spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply. Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ⚬ Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees) |
60K Miles 60K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)$550 Annual Fee Recent better offer: Expired 8/2/23: 85K after spending $6K in first 6 months FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. Earning rate: 3X Delta Card Type: Amex Credit Card Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year (ends 1/1/24) ⚬ Complimentary upgrades ⚬ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K (ends 1/1/24) spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply. Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ⚬ Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access (starting 2/1/25, 10 visits per year or unlimited visits after spending $75K/calendar year on the card) ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when flying Delta ⚬ Complimentary upgrades ⚬ One statement credit every 4 years for the $100 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
10K miles 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)No Annual Fee Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days. 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. Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases Card Type: Amex Credit Card Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees) |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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 |
|---|
150K Points + free night certificate 150K after $4K spend in 3 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. $450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least once per year, and other Hilton properties a few times a year.. Earning rate: ⚬ 14X Hilton spend ⚬ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ⚬ 3X on all other eligible purchases ⚬ Terms & Limitations Apply. Card Type: Amex Credit Card Big spend bonus: Second free night award after $60K spend in calendar year Noteworthy perks: ⚬Annual Weekend Night Reward upon approval and every year upon renewal ⚬ Free Diamond Status ⚬ Priority Pass membership (Lounges only) with 2 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 |
125K Points 125K Points after $8K spend in 6 months. Terms apply. (Rates & Fees) (Offer Expires 11/1/2023)$125 Annual Fee Recent better offer: 100K points after $4K spend in the first 3 months [Expired 11/2/22] Earning rate: 6x at Marriott Bonvoy properties ⚬ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ⚬ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Card Type: Amex Credit Card Big spend bonus: 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: Complimentary Marriott Gold elite status ⚬ 7% discount off the standard rate for a standard room at participating hotels when you book direct (Terms and Conditions apply) ⚬ 1 Free Night Award every year after your Card renewal month for a one-night 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 |
125K Points 125K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)$250 Annual Fee Recent better offer: 125K points after $6K in the first 6 months and 50K points after 6 eligible paid nights at Bonvoy hotels[Expired 8/9/23] Earning rate: 6X Marriott.⚬ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ⚬ 2X on all other eligible purchases Card Type: Amex Credit Card Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ⚬ 1,000 bonus points with each qualifying stay ⚬ Gold elite status See also: Marriott Bonvoy Complete Guide |
2 x 85K Free Night Certificates Receive two 85k free night certificates after $6K spend in the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 11/1/2023)$650 Annual Fee Recent better offer: 150K points after $6K in the first 6 months and 50K points after 6 eligible paid nights at Bonvoy hotels [Expired 8/9/23] FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Type: Amex Credit Card Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ⚬ 85K Free Night Award each year upon renewal ⚬ $300 dining credit per membership year ($25/mo) ⚬ Platinum Elite status ⚬ 25 elite nights credit ⚬ Priority Pass membership (Lounges only) with 2 guests ⚬ Global Entry fee credit ⚬ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
130K points 130K after $2K spend in 3 months. Terms apply. $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23] FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card. Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases Card Type: Amex Credit Card Big spend bonus: ⚬ Free night award after $15K spend in calendar year ⚬ Diamond elite status with $40K calendar year spend ⚬ Terms apply Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. |
130K Points 130K after $3K spend in 3 months. Terms apply. $95 Annual Fee FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases Base: 3X (1.44%) Travel: 6X (2.88%) Dine: 6X (2.88%) Gas: 6X (2.88%) Phone: 6X (2.88%) Biz: 6X (2.88%) Brand: 12X (5.76%) Other: 6X (2.88%) Card Type: Amex Credit Card Big spend bonus: Free night award after $15K spend in calendar year and another after $60K spend Diamond elite status with $40K calendar year spend Noteworthy perks: ⚬ Free Gold status. Diamond status w/ $40K spend. ⚬ 10 free Priority Pass lounge visits per calendar year ⚬ Terms Apply. (Rates & Fees) |
80K points 80K after $1K spend in 3 months. Terms apply. (Rates & Fees) No Annual Fee Recent better offer: 70K + free night certificate after $2K spend in 3 months. [Expired 7/19/23] FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card. Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases Card Type: Amex Credit Card 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) |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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 |
|---|
Up to $350 back Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ⚬ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ⚬ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ⚬ 1% cash back as a statement credit on other purchases ⚬ Terms apply. Base: 1% Gas: 3% Grocery: 3% Shop: 3% Card Type: Amex Credit Card Noteworthy perks: Get $7 back each month after using your Blue Cash Every Day card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle. Terms Apply. (Rates & Fees) |
$350 back $350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations Earning rate: ⚬ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ⚬ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ Terms apply. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Type: Amex Credit Card Big spend bonus: $100 after $15K card membership year spend Noteworthy perks: Terms Apply. (Rates & Fees) |
$250 back $250 cash back as reward dollars that can be redeemed as a statement credit after $3K spend in the first 6 months. Terms Apply. (Rates & Fees)$0 introductory annual fee for the first year, then $95 FM Mini Review: Solid cash back option (cash back given in the form of a statement credit), especially for those who spend a lot at US Supermarkets and US gas stations Earning rate: ⚬ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ⚬ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back as a statement credit US gas stations ⚬ 1% cash back as a statement credit on other purchases ⚬ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ⚬ Terms apply. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Type: Amex Credit Card Noteworthy perks: Terms Apply. (Rates & Fees) |
$200 Cash Back as a statement credit $200 statement credit after $1K in purchases in first 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. FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend. Earning rate: 1.5% on all eligible purchases Base: 1.5% Card Type: Amex Credit Card Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account. |
$200 Cash Back as a statement credit $200 back as a statement credit after $1K in purchases in first 6 months. Terms 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. Earning rate: 1.5% on all eligible purchases Base: 1.5% Card Type: Amex Noteworthy perks: See rates & fees. |
$125 Amazon Gift Card Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)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. Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ⚬ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% Card Type: Amex Credit Card |
0% APR for 12 months 0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 18.49% - 26.49% depending on creditworthiness. (Rates & Fees)No Annual Fee Earning rate: 2% cash back as a statement credit on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply. Base: 2% Card Type: Amex Credit Card |
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)$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: Unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date. Pay your Minimum Payment Due by your Payment Due Date and the discount is applied to your next statement Base: 1.5% Card Type: Amex Pay Over Time Card Noteworthy perks: Terms and limitations apply. (Rates & Fees) |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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: 800-732-9194 (8am-7pm ET Mon-Fri); 888-782-7717 (business cards); |
|||||
| Card Offer and Details |
|---|
60K miles + Companion Fare 65k miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Earning rate: 3X Alaska Airlines ⚬ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ⚬ 1X elsewhere Card Type: Visa Signature Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ⚬ Free first checked bag for you and up to six other passengers on your reservation ⚬ Priority Boarding ⚬ 10% bonus on earned miles with eligible BOA account |
50K Points + $100 Voucher 50K points plus $100 companion voucher after $1K spend in 90 days$0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else Card Type: Masrercard World Elite 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 |
50K miles + 60XP points 50K miles after $2K in the first 90 days + 60 XP points upon approval$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. Recent better offer: 70K miles + 100XP points [Expired 9/23] FM Mini Review: Valuable only for the welcome offer, then it should go off to the sock drawer. Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else Card Type: Mastercard World Elite 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. |
60K points 60K after $4K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: 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. Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% Card Type: Visa Signature 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 |
75K points 75K after $5K spend in 90 days$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status. Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% Card Type: Visa Infinite Noteworthy perks: $300 annual airline incidentals fee reimbursement ⚬ $150 lifestyle conveniences reimbursement (streaming services, food delivery, fitness subscriptions and rideshare services) ⚬ $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 ⚬ 20% discount when redeeming points for domestic or international airfare in any cabin class through Bank of America Travel Center or concierge |
50K miles + Companion Fare 50K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 70K after $4K in 3 months [Expired 4/23] FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears Earning rate: 3X Alaska Airlines ⚬ 2x gas, EV charging, shipping and local transit ⚬ 1X elsewhere Card Type: Visa Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ⚬ Free first checked bag for you and up to six other passengers on your reservation ⚬ 10% bonus on earned miles with eligible BOA business account |
65K points 60K points after $1K spend in 90 days plus 5K points for adding an authorized user$0 introductory annual fee for the first year, then $75 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Best for those who stay often at Sonesta hotels Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta Card Type: Mastercard World 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) |
$500 Cash Back $500 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. 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. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% Card Type: Mastercard 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%. |
35K miles 35K after $1K spend in first 90 days plus 5K after adding 2 authorized users$90 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else Card Type: Mastercard World Elite 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). |
30K points 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. Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Card Type: Mastercard World 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% |
$300 statement credit $300 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. Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return. Base: 1.5X (1.5%) Card Type: Mastercard Noteworthy perks: Up to 75% bonus for Preferred Rewards for Business banking customers |
25K points worth $250 25K after $1K 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: 1.5X everywhere; 3X for travel booked through BOA's travel center Card Type: Visa Signature Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
25K points 25K points after $1K spend in 90 daysNo 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. Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Type: Visa Signature |
$300 Cash Back $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. FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card. Base: 0% Card Type: Visa Platinum |
$200 cash bonus $200 cash rewards bonus after $1K 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: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 1.5X (1.5%) Card Type: Visa Signature Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
$200 Cash Back $200 after $1000 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: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else Base: 1% Travel: 3% Gas: 2% Grocery: 2% Shop: 2% Brand: 3% Other: 2% Card Type: Visa Signature Noteworthy perks: No foreign transaction fees |
20K points 20K after $1K spend in the first 90 daysNo Annual Fee 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. Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel Card Type: Mastercard World |
$200 Cash Back $200 after $1000 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: 3% back on your choice of the following: gas and EV chargng, online shopping, cable, streaming, internet & phone plans, 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 Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% Card Type: Visa Signature Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
10K Points 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 Type: Masrercard World 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 |
10K points 10K points after first purchase in 90 days No Annual Fee 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. Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Type: Visa Signature |
15K miles 15K after $1K in first 90 days$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: 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. Earning rate: 3x Allegiant ⚬ 2x dining Card Type: Mastercard World 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 |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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 |
||
| Card Offer and Details |
|---|
100K Miles 100K Miles after $3K spend in 90 days $89 Annual Fee Recent better offer: Matches best ever Earning rate: 2X Miles & More Card Type: Mastercard World 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 |
75K Miles 5K miles after being approved plus earn 70K miles after $1K in spend in 90 days and payment of annual fee (Use any 5 digit number for promo code)$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 Type: Mastercard World Elite 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 |
Up to 75K Miles Up to 75K miles: 60k miles after 1st purchase & paying annual fee within 90 days + 15K miles after adding an AU and making a purchase within 90 days$99 Annual Fee Earning rate: 2X AA ⚬ 1X everywhere else Card Type: Mastercard World Elite 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 |
Up to 60K Miles 50K bonus miles after spending $4K in first 90 days + additional 10K miles after employee card purchase.$99 Annual Fee FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers. Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else Card Type: Mastercard 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 |
Up to 75K Miles Up to 75K miles: 60K bonus miles after spending $5K in first 90 days + additional 15K miles after $15K in purchases in first 12 months$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 Type: Mastercard Big spend bonus: $99 companion certificate with $30K account year spend Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding ⚬ 5% bonus on miles earned the previous year after AF is paid ⚬ 25% statement credit on in-flight purchases |
50K miles + waived annual fee 50K miles and waived annual fee after $1000 spend in 90 days $0 introductory annual fee for the first year, then $79 Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants Card Type: Mastercard World 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. |
70K Miles 70K points 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. Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else Card Type: Mastercard World Elite Noteworthy perks: Two free checked bags when flight is booked through Hawaiian Airlines ⚬ 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 |
Up to 70K miles 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 Type: Mastercard World Elite 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 |
45K Points 45K points after $1K spend in first 90 days$75 Annual Fee FM Mini Review: Not bad, but the business version is better. Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else Card Type: Visa Signature or Platinum 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 |
30K Points 30K points after $1K spend in first 90 daysNo Annual Fee FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. Earning rate: ⚬ 5X Wyndham & gas ⚬ 2X restaurants & grocery ⚬ 1X everywhere else Card Type: Visa Signature or Platinum 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 |
30K Miles + 1 Year Silver status 30K after $3K spend in 90 days$99 Annual Fee Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else Card Type: Mastercard World Elite 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 |
45K Points 40K after after $3K spend in first 90 days$95 Annual Fee FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else Card Type: Visa Signature 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 |
15K miles 15K after $1K 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. FM Mini Review: Not bad for a fee-free airline card. Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬ Card Type: Mastercard World 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. |
5K Points + $150 statment credit 5K Points + $150 statment credit after $1K 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: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% Card Type: Visa |
$100 Cash back $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 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. Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not. Base: 1.25% Card Type: Mastercard Noteworthy perks: When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 1.529% cash back (otherwise, you get 1.25% back) |
$100 Cash Back $100 after $500 spend in 3 monthsNo Annual Fee Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else Base: 1% Travel: 3% Dine: 2% Card Type: Mastercard |
$100 Cash Back $100 after $500 spend in 3 monthsNo Annual Fee Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else Base: 1% Gas: 3% Other: 3% Card Type: Mastercard |
40K Miles + 1 Year Gold status 40K after $3K spend in 90 days$499 Annual Fee Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else Card Type: Mastercard World Elite 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 |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Capital One
| Capital One App Tips |
Current or previous consumer cardholders are not eligible for a card if they have received a new cardmember bonus for the same product within the last 48 months. | 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 |
||||
| Card Offer and Details |
|---|
150K Miles Earn 150K miles after $30K spend in the first 3 months$395 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 3/31/23: 250K Miles after $50K in spend. FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most 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 & hotel points. Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else. Card Type: Mastercard Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ⚬ 10,000 bonus miles starting at first anniversary ⚬ Up to $100 application fee credit for Global Entry or TSA PreCheck® ⚬ Priority Pass w/ unlimited guests (includes restaurants) ⚬ Plaza Premium lounge access ⚬ Cell phone insurance ⚬ Trip insurance ⚬ Primary CDW coverage ⚬ Redeem miles for travel at 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees |
90K Miles This offer is available only by referral and is not available through Frequent Miler. For more info, see this post by Doctor of Credit.$395 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 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, Plaza Premium lounges, and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most 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 huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ⚬ 5x miles on flights booked via Capital One travel. ⚬ 2X miles everywhere else. Card Type: Visa Infinite Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ⚬ 10,000 bonus miles each year starting at first anniversary ⚬ Up to $100 application fee credit for Global Entry or TSA PreCheck® ⚬ Priority Pass membership w/ unlimited guests (lounges only) ⚬ Plaza Premium lounge access ⚬ Cell phone insurance ⚬ Trip insurance ⚬ Primary CDW coverage ⚬ Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees |
75K Miles + up to $200 in statement credits 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 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 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 & hotel points. Earning rate: 2X miles everywhere ⚬ 5X miles on hotels and rental cars booked via Capital One Travel Card Type: Visa Signature Noteworthy perks: Receive up to $100 application fee credit for Global Entry or TSA PreCheck® ⚬ Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees ⚬ 2 complimentary visits per year to Capital One or Plaza Premium Lounges |
$1200 Cash Back Earn a one-time $1200 bonus when you spend $30,000 in the first 3 months of account opening. (Rates & Fees)$150 Annual Fee Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Earning rate: 2% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel Base: 2% Travel: 5% Card Type: Mastercard 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 |
50K Miles 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 Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. Earning rate: 2X Miles everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel Card Type: Mastercard Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees ⚬ Fee credit for either $85 TSA Pre✓® application fee or $100 Global Entry application fee |
50K Miles 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. FM Mini Review: This card is similar to 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. Earning rate: 1.5X miles everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel Card Type: Mastercard Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees |
$500 Cash Back Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening. (Rates & Fees)No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Recent better offer: Expired 9/19/23: $750 after $32k spend in 3 months FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus card. Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Travel: 5% Card Type: Mastercard Noteworthy perks: No foreign transaction fees |
20K miles Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)No Annual Fee FM Mini Review: Decent welcome bonus for a fee-free card, but other cards offer better rewards for ongoing spend. Earning rate: 1.25X miles everywhere ⚬ 5X miles on hotels and rental cars booked via Capital One Travel Card Type: Mastercard Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees |
$300 Cash Back 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. FM Mini Review: Excellent cash back card for dining and entertainment spend. Earning rate: 4% cash back on dining, entertainment, and popular streaming services ⚬ 3% at grocery stores ⚬ 1% everywhere else ⚬ 8% cash back on Capital One Entertainment purchases ⚬ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Travel: 5% Dine: 4% Grocery: 3% Other: 4% Card Type: Mastercard Noteworthy perks: No foreign transaction fees |
$200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee 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. Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Travel: 5% Other: 5% Card Type: Mastercard Noteworthy perks: No foreign transaction fees ⚬ Up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 |
$200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ⚬ 1% everywhere else ⚬ 8% cash back on Capital One Entertainment purchases ⚬ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Travel: 5% Dine: 3% Grocery: 3% Other: 3% Card Type: Mastercard Noteworthy perks: Complimentary Uber One membership statement credits through 11/14/2024 ⚬ No foreign transaction fees |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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: Usually won’t be 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) |
| Under very rare circumstances, 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 |
|||||
Chase Credit Cards / Ultimate Rewards
Also see: Chase Airline Cards, Chase Hotel Cards, Chase Cash Back Cards
| Card Offer and Details |
|---|
90K points 90K after $6K spend in 3 monthsNo Annual Fee Recent better offer: 90K after $6K in 3 months [Expired 3-20-23] 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. Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025 Card Type: Visa Signature Business See also: Chase Ultimate Rewards Complete Guide |
100K points 100K after $8K spend in 3 months$95 Annual Fee 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. Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025 Card Type: Visa Signature Business Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Transfer points to airline & hotel partners ⚬ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
90K points 90K after $6K spend in 3 monthsNo Annual Fee 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. Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025 Card Type: Visa Signature Business See also: Chase Ultimate Rewards Complete Guide |
60K points 60K after $4K spend in 3 months$95 Annual Fee A similar offer with the first year annual fee waived may be found in-branch. YMMV. FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025) ⚬ 10% annual point bonus Card Type: Visa Signature Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ $50 annual credit for hotel stays booked through Chase ⚬ $15 quarterly Instacart credit ⚬ 6 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) |
70K Points 70K after $4K spend in 3 months$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 12/1/22: 80K after $4K spend 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 Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025) Card Type: Visa Infinite Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Transfer points to airline & hotel partners ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $5 monthly DoorDash in-app credit through December 2024 ⚬ Free DashPass through 2025 ⚬ Earn 10X on Lyft spend⚬ Free Lyft Pink All Access Memberhsip through December 2024 ⚬ $15 monthly Instacart credit ⚬ 12 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
20K points + 15 months 0% APR 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 and balance transfers, then a variable APR of 20.49% - 29.24%.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. 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: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else Card Type: Visa Signature or Platinum Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ $10 quarterly Instacart credit ⚬ 3 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
20K points + 15 months 0% APR 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 and balance transfers, then a variable APR of 19.24% - 27.99%.No Annual Fee Be sure to select the card you want after clicking through. 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. 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: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases 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. Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities) Card Type: Mastercard World Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ Cell phone protection ⚬ Lyft credits ⚬ $10 quarterly Instacart credit ⚬ 3 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Chase Ultimate Rewards Complete Guide |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
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 |
|---|
Up to 125K Avios 75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice signup bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year. Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere Card Type: Visa Signature Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year. Noteworthy perks: Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland ⚬ No foreign transaction fees. |
Up to 125K Avios 75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice signup bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year. Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere Card Type: Visa Signature Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10 ⚬ No foreign transaction fees ⚬ $10 monthly GoPuff credit (through 12/31/23) |
Up to 125K Avios 75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice signup bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe. Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere Card Type: Visa Signature Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years. Noteworthy perks: Up to $600 per year in award fee rebates ⚬ 10% off BA flights originating in the US. ⚬ No foreign transaction fees ⚬ $10 monthly GoPuff credit (through 12/31/23) |
100K points Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months.$95 Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). FM Mini Review: Great card for regular or frequent Air Canada flyers Earning rate: 3X Air Canada ⚬ 3X grocery stores ⚬ 3X dining ⚬ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ⚬ 1X everywhere else Card Type: Mastercard World Elite 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 |
80K points 80K after $5K spend in first 3 months$199 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Earning rate: 4X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 2X social media and search engine advertising, internet, cable, and phone services ⚬ 1X on all other purchases. Card Type: Visa Signature Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases Noteworthy perks: 9000 bonus points each year upon card renewal ⚬ 4 Upgraded Boardings per year when available ⚬ Global Entry or TSA Pre✔ Fee Credit ⚬ Up to 365 Inflight WiFi Credits ⚬ $10 monthly GoPuff credit (through 12/31/23) per year. ⚬ 10,000 Companion Pass qualifying points each year. |
60K miles 60K miles after $3K spend in 3 months.$0 introductory annual fee for the first year, then $95 This card is subject to Chase's 5/24 rule (click here for details). 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 8/11/22: 70K after $3K spend FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays Card Type: Visa Signature Noteworthy perks: ⚬ Improved economy saver award availability ⚬ Free first checked bag for primary cardholder and one travel companion when you pay with the card ⚬ Unlocks complimentary elite upgrades on award tickets ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year ⚬ One year of complimentary Dash Pass (Must activate by 12/31/24) ⚬ Primary auto rental collision damage waiver ⚬ Up to $100 Global Entry,TSA Pre-check or Nexus credit ⚬ 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card ⚬ $10 monthly GoPuff credit (through 12/31/23) |
60K points 60K points after $3K spend in first 3 months $99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 1X on all other purchases. Card Type: Visa Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year. |
50K points 50K points after $1K spend in the first 3 months $69 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year. Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest Card Type: Visa Signature or Platinum Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year. Noteworthy perks: 3000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ⚬ $10 monthly GoPuff credit (through 12/31/23) |
50K points 50K points after $1K spend in the first 3 months $99 Annual Fee This card is known to be subject to Chase's 5/24 rule. FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases. Card Type: Visa Signature or Platinum Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ⚬ $10 monthly GoPuff credit (through 12/31/23) |
60K Miles + 500 PQPs 60k miles and 500 PQPs after $4K spend in the first 3 months $250 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Earning rate: 3X United ⚬ 2X restaurants including eligible delivery services ⚬ 2X on all other travel ⚬ 2X select streaming Card Type: Visa Signature Big spend bonus: Earn up to 6,000 PQPs per year: 500 PQPs per $12K spend Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year ⚬ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your Mileage Plus number ⚬ Two 5K award flight rebates per cardmember year (5K miles back when you book first 2 award tickets each anniversary year) ⚬ $100 Global Entry, TSA PreCheck or Nexuas reimbursement ⚬ 25% back on United inflight or Club Premium drink purchases ⚬ $10 monthly GoPuff credit (through 12/31/23) |
50K Miles 50K miles after $3K spend in first 3 months.$0 introductory annual fee for the first year, then $99 You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card. Recent better offer: Expired 11/9/22: 150K (75K after $5K spend in 3 months and another 75K after $20K total spend in six months) FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Card Type: Visa Signature Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100 Noteworthy perks: ⚬ Improved economy saver award availability ⚬ Unlocks complimentary elite upgrades on award tickets ⚬ Free first checked bag ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year at anniversary ⚬ Free DashPass for one year (must activate by 12/31/24) ⚬ Primary auto rental collision damage waiver ⚬ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ⚬ 25% back as a statement credit on United in-flight and Club Premium drink purchases |
50K points 50K points after $1K spend in the first 3 months $149 Annual Fee This card is known to be subject to Chase's 5/24 rule. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases. Card Type: Visa Signature or Platinum Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies. 10,000 Companion Pass qualifying points each year ⚬ $10 monthly GoPuff credit (through 12/31/23) |
80K Miles 80k miles after $5k spend in first 3 months$525 Annual Fee This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months. Recent better offer: Expired 1/27/23: 100K after $5K spend FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. . Earning rate: ⚬ 4X United ⚬ 2X dining & travel Card Type: Visa Signature Big spend bonus: Earn up to 8,000 PQPs per year: 500 PQPs per $12K spend Noteworthy perks: ⚬ United Club membership ⚬ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ⚬ 10% discount on saver level economy awards within the continental US and Canada ⚬ $75 in statement credits for IHG® Hotels purchases charged to your card in 2023 ⚬ Up to $100 for Global Entry, TSA Precheck or Nexus fee credit ⚬ Priority check-in, security screening, baggage handling, and boarding ⚬ Free 1st and 2nd checked bags ⚬ Hertz President's Circle Elite Status ⚬ Primary auto rental collision damage waiver ⚬ $10 monthly GoPuff credit (through 12/31/23) |
20K Miles 20K miles after $1K spend in first 3 monthsNo Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 8/11/22: 30K after $1K spend Earning rate: 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting Card Type: Visa Signature Noteworthy perks: Improved economy saver award availability (only when downgraded from a card with an annual fee) ⚬ No foreign exchange fees ⚬ 25% back on United in-flight and Club Premium drink purchases |
75K Miles 50K miles after $3K spend in first 3 months.$450 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else Card Type: Visa Signature Noteworthy perks: United Club membership ⚬ Unlocks complimentary elite upgrades on award tickets ⚬ Priority check-in, security screening, baggage handling, and boarding ⚬ Get one year of complimentary Dash Pass (Must activate by 12/31/24) ⚬ Free 1st and 2nd checked bags ⚬ Primary auto rental collision damage waiver ⚬ Hertz Gold Plus Rewards® President's Circle® |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Chase Credit Cards / Hotels
Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Cash Back Cards
| Card Offer and Details |
|---|
5 x 50K Free Night Certificates Earn five 50K free night certifcates after $5K spend in 3 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None. This matches the best ever. Earning rate: ⚬ 6X Marriott Bonvoy ⚬ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ⚬ 2X everywhere else Card Type: Visa Signature Big spend bonus: Earn Gold status when you spend $35K each year ⚬ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: ⚬ Annual free night certificate for 1 night at a hotel redemption level up to 35K ⚬ Automatic Silver status ⚬ 15 nights of elite credit each year ⚬ 1 Elite Night Credit for every $5K spent ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Marriott Bonvoy Complete Guide |
Up to 75K Points 60K after $5,000 spend in 3 months and an additional 15k points after $12,000 total spend in 6 months$199 Annual Fee This card is subject to Chase's 5/24 rule. FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. Earning rate: ⚬ 2X in the top 3 spend categories each calendar quarter through 12/31/24 (then the top 2 categories after that). Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ⚬ 4X Hyatt Card Type: Visa Signature Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ⚬ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ⚬ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ⚬ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year. |
140K points 140K points $3K spend in 3 months$99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). Earning rate: 10X IHG ⚬ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ⚬ 3X on all other purchases Base: 3X (1.89%) Travel: 5X (3.15%) Dine: 5X (3.15%) Gas: 5X (3.15%) Office: 5X (3.15%) Brand: 10X (6.3%) Card Type: Mastercard World Elite Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ⚬ Diamond status after $40K in purchases + one additional purchase in a calendar year ⚬ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ⚬ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ Platinum elite status ⚬ Up to $50 in United TravelBank cash per year (must register your card with your United account) ⚬ $10 monthly GoPuff credit (through 12/31/23) |
140K Points 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 Type: Mastercard World Elite Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ⚬ Diamond status after $40K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ⚬ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ Platinum elite status ⚬ Up to $50 in United TravelBank cash per year (must register your card with your United account) ⚬ $10 monthly GoPuff credit (through 12/31/23) |
Up to 45K points Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 6 months.$95 Annual Fee This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great card for signup bonus and annual free night. Might be worth using regularly for additional free night and as a path to status. Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt Card Type: Visa Signature Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ⚬ Get 2 elite qualifying night credits every time you spend $5K in purchases Noteworthy perks: ⚬ Free category 1-4 night every year upon renewal ⚬ Additional free category 1-4 night after $15K spend in calendar year ⚬ Discoverist elite status ⚬ 5 elite qualifying nights |
80K Points 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 Type: Mastercard World 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 |
85K Points 85K points after $4K spend in 3 months$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 6X Marriott.⚬ 4X restaurants & grocery on up to $15K spend per year ⚬ 2X everywhere else Card Type: Visa Signature Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ⚬ 1,000 bonus points with each qualifying stay ⚬ Gold elite status ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Marriott Bonvoy Complete Guide |
30K points 30K points after $1K in the first 3 months. Terms apply. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23) FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks Earning rate: ⚬ 3X Marriott Bonvoy ⚬ 2X travel ⚬ 1X everywhere else Card Type: Visa Signature Noteworthy perks: Automatic Silver status ⚬ 15 nights of elite credit each year ⚬ $10 monthly GoPuff credit (through 12/31/23) See also: Marriott Bonvoy Complete Guide |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Chase Credit Cards / Cash Back
Also see: Chase Ultimate Rewards Cards, Chase Airline Cards, Chase Hotel Cards
| Card Offer and Details |
|---|
$1,000 Cash Back $1K after $10K Spend in 3 Months$195 Annual Fee FM Mini Review: This is an almost 1 to 1 copy of Capital One's Spark Cash Plus card, but the Chase card throws in 2.5% earnings on very large purchases. Unfortunately, the Chase card also has a slightly higher annual fee. The biggest disappointment about this card is that, unlike other Chase Ink cards, the rewards cannot be moved to other Chase cards to improve their value. Even though this card technically earns Ultimate Rewards points, it's best to think of it as a straight up cash back card. Earning rate: 2.5% cash back on purchases of $5,000 or more ⚬ 5% back on travel purchased through Chase Ultimate Rewards ⚬ 2% cash back on all other spend Base: 2% Other: 5% Card Type: Visa Signature Business Charge Card Noteworthy perks: Purchase protections ⚬ Cell phone protection (up to $1K per claim) ⚬ Travel protections |
$300 Cash Back $300 statement credit after $1000 in purchases within first 3 months$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. FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look. Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ⚬ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Card Type: Visa Signature or Platinum Noteworthy perks: ⚬ Redeem rewards dollars toward a statement credit for air travel (book any airline / any destination and redeem rewards dollars at a minimum of $50 in rewards dollars) ⚬ Character meet & greet at a private cardmember area ⚬ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com ⚬ $10 monthly GoPuff credit (through 12/31/23) |
$200 Amazon Gift Card and 6% back on Prime Day $200 Amazon gift card and 6% back on Amazon and Whole Foods purchases on Prime Day. Terms apply.No Annual Fee FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 5% back at Whole Foods ⚬ 5% back on Chase Travel purchases ⚬ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ⚬ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% Card Type: Visa Credit Card |
$60 Amazon Gift Card and 3% back for 90 days $60 Amazon gift card and 3% back on up to $1,500 in purchases for three months after account opening. Terms apply.No Annual Fee FM Mini Review: Not as compelling as the Prime Visa Card and, if you buy enough Amazon items to be interested in it, you should probably be a Prime member anyway. Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 3% back at Whole Foods ⚬ 3% back on Chase Travel purchases ⚬ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ⚬ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 3% Shop: 3% Brand: 3% Other: 2% Card Type: Visa Credit Card |
None 0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.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. FM Mini Review: This card could be worth it for the welcome bonus and intro APR when offered, but since it offers no ongoing rewards it is a poor choice for ongoing spend. Earning rate: This card does not earn ongoing rewards beyond the welcome bonus. Base: 0% Card Type: Visa Signature or Platinum Noteworthy perks: Get considered for a 2% APR reduction when you pay on time and spend at least $1K on card by next anniversary until APR reaches the Prime Rate plus 9.74% ⚬ 3 months free Instacart+ ⚬ $10 monthly GoPuff credit (through 12/31/23) |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Citi Credit Cards
| Citi App Tips |
With most Citi cards: Must wait 48 months after receiving welcome bonus for same card. | Hard inquiries are NOT combined when approved same day | Max 1 personal card per 8 days | Max 2 personal cards per 65 days | Max 1 business card per 95 days |
| Check application status here. If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business) If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858 |
|||||
Citi Credit Cards / ThankYou Points
Also see: Citi Airline Cards, Citi Cash Back Cards
| Card Offer and Details |
|---|
60K Points + 10X Select Travel 60K points after $4K spend in the first 3 months. Plus, earn 10x on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.$95 Annual Fee FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Sadly, this travel card doesn't provide any travel protections. Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies Card Type: Mastercard World Elite Noteworthy perks: Transfer points to airline partners ⚬ $100 Annual Hotel Savings Benefit See also: Citi ThankYou Rewards Complete Guide |
25K points 25K points after $1.5K spend in 3 months No Annual Fee FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash Earning rate: 5x on travel booked through Citi Travel Portal through June 30 2024 (excludes air travel) ⚬ 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases Card Type: Mastercard World Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ⚬ get 10% of your points back on the first 100K redeemed each year See also: Citi ThankYou Rewards Complete Guide |
20K Points 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 FM Mini Review: This is a great card to have and hold for a single category where you spend no more than $500 per month as it represents an excellent return without rotating categories to track. Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ⚬ 1x on all other purchases Base: 1X (1.45%) Travel: 5X (7.25%) Dine: 5X (7.25%) Gas: 5X (7.25%) Grocery: 5X (7.25%) Other: 5X (7.25%) Card Type: Mastercard See also: Citi ThankYou Rewards Complete Guide |
$100 statement credit $100 statement credit after $1K Spend in 3 MonthsNo Annual Fee FM Mini Review: This has a good gas station bonus for a no annual fee card, but there's not much else to make it a compelling card Earning rate: ⚬ 3 points per $1 at gas stations ⚬ 2 points per $1 oat grocery stores ⚬ 1 point per $1 on all other purchases Card Type: Mastercard Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ (for AT&T Wireless customers omly) See also: Citi ThankYou Rewards Complete Guide |
None This card does not currently feature an introductory bonus.No Annual Fee FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase) Base: 2X (2.9%) Card Type: Mastercard World Elite Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases See also: Citi ThankYou Rewards Complete Guide |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Citi Credit Cards / Airlines
Also see: Citi ThankYou Cards, Citi Cash Back Cards
| Card Offer and Details |
|---|
65K miles 65K after $4K spend in first 4 months$0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card usually has a great signup bonus, but if you're looking for a card to keep long term, you'll find better options. Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas Card Type: Mastercard World 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 60K miles after $3,000 spend in first 3 months$0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent choice for a great signup bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA Card Type: Mastercard World Elite 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 |
70K miles 70K miles after $7,000 spend in first 3 months$595 Annual Fee FM Mini Review: Good choice for those who need Admirals Club access and those who value the Loyalty Points boosts at 50K and 90K Loyalty Points earned. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) and some handy credits for Avis or Budget rentals and GrubHub. Earning rate: 4X AA ⚬ 10X hotels booked through AA.com/Hotels ⚬ 10X car rentals booked through AA.com/Cars ⚬ 1X everywhere else Card Type: Mastercard World Elite Noteworthy perks: ⚬ First Checked Bag Free ⚬ Admirals Club® access for both primary and authorized users ⚬ Up to $120 in statement credits per calendar year for car rentals booked directly with Avis or Budget ⚬ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ⚬ $10 monthly Lyft credit after you take 3 Lyft rides that calendar month ⚬ 10K bonus Loyaty Points after earning 50K Loyalty points through all channels and another 10K bonus Loyalty Points after earning 90K Loyalty Points through all channels ⚬ 25% savings on eligible in-flight purchases on American Airlines flights ⚬ Up to $100 Global Entry or TSA PreCheck application fee credit |
10K miles + $50 Earn 10K AA miles + $50 statement credit after $500 spend in 3 monthsNo Annual Fee FM Mini Review: Not bad for grocery spend if you highly value AA miles Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else Card Type: Mastercard World Elite Noteworthy perks: Save 25% on inflight food and beverage purchases |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Citi Credit Cards / Cash Back
Also see: Citi ThankYou Cards, Citi Airline Cards
| Card Offer and Details |
|---|
No Welcome Bonus No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco Earning rate: ⚬ 4% gas & EV charging (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 4% Brand: 2% Card Type: Visa Signature |
No Welcome Bonus No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco Earning rate: ⚬ 4% gas and EV charging (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 4% Card Type: Visa Signature Noteworthy perks: No annual fee with paid Costco membership |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Discover
| Discover App Tips |
No known rules against getting same card & bonus again, but you must wait just over 12 months from previous app. | You can have maximum of 2 Discover cards. 1st card must be open for a year before applying for second. |
| Click here to check your application status If denied, call reconsideration here: 888-676-3695 |
||
| Card Offer and Details |
|---|
$50 + First Year Double + $20/year Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.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: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee. Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2023: Restaurants and Wholesale Clubs) Card Type: Discover Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards |
$100 Back Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. 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: This is a great choice for its rotating 5% categories Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2023: Restaurants and Wholesale Clubs) Card Type: Discover Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards |
$100 + First Year Double Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. 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: Great card to get for its first year 3% cash back. Earning rate: 1.5 miles per dollar for all spend. Base: 1.5% Card Type: Discover Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem miles for travel or for cash back (1 cent per mile either way) |
First Year Double All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. 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: Great card to get for its first year 3% cash back. Earning rate: 1.5% cash back for all spend. Base: 1.5X (1.5%) Card Type: Discover Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem cash back in any amount |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
TD Bank
| TD App Tips |
Call (888) 561-8861 to check your application status |
| Card Offer and Details |
|---|
$400 Cash Back $400 after $3K spend in 90 daysNo Annual Fee Earning rate: 3% phone, internet and cable services ⚬ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% Card Type: Visa |
5% Cashback 5% cashback for 6 months or $6K in spendNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ⚬ 3% dining ⚬ 2% grocery stores Base: 1% Dine: 3% Grocery: 2% Card Type: Visa Signature |
25K points 25K after $3K spend in first 6 billing cycles.$0 introductory annual fee for the first year, then $89 Earning rate: 3X travel & dining Card Type: Visa Signature |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
US Bank Credit Cards
| USB App Tips |
Consider freezing 2 credit bureaus before applying (or maybe not!) |
Check the offer terms for words like “The bonus is not available to Cardmembers who currently have, or had, [card name]” | Hard inquiries may be combined into 1 when approved same day |
| Call (800) 947-1444 to check your application status. If denied, call reconsideration here: 800-947-1444 or 800-685-7680 |
|||
| Card Offer and Details |
|---|
50K points 50K after $4.5K spend in 90 days$400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: With points worth 1.5 cents each towards travel, this card offers an excellent signup bonus. For ongoing use, this card is a winner for those who spend a lot on mobile payments (at 3X, rewards are worth 4.5%) Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ⚬ 3X travel and mobile wallet payments Card Type: Visa Infinite Noteworthy perks: $325 in travel/dining credits per membership year ⚬ Points worth 1.5 cents each towards travel ⚬ Real Time Mobile Rewards (redeem points at full value at time of purchase) ⚬ Priority Pass Select airport lounge access (8 per year) ⚬ Primary car rental coverage ⚬ No foreign transaction fees ⚬ Free authorized user cards |
75K points 75K after $7500 spend in first 4 months$0 introductory annual fee for the first year, then $95 FM Mini Review: Since the points are worth 1c each, this card isn't terribly rewarding for ongoing spend. Note that points can not be combined with the Altitude Reserve. Earning rate: 2x on top two categories where you spend the most each month. Base: 1% Other: 2% Card Type: Visa Signature Business Noteworthy perks: Earn 2x in the two categories in which you spend the most each month. Full list of categories can be found here. |
60K points 60K after $6K spend in 180 days$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. FM Mini Review: This card offers decent return on gas station and travel spend and it does feature no foreign transaction fees. However, the return on most other spend is relatively weak. Earning rate: 5x hotels and car rentals when booked through US Bank Portal ⚬ 4X travel, gas stations and EV charging ⚬ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Card Type: Visa Noteworthy perks: $25 statement credit after every three consecutive monthly taxi or rideshare transactions paid for with your card. |
50K miles 50K miles after $5K in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2X miles on Korean Air, Gas Stations, Dining Card Type: Visa Noteworthy perks: 5% off Korean Air flight (cardholder+companion) 1X/calendar year ⚬ 2 Korean Air VIP Lounge coupons each year ⚬ 2,000 bonus points upon renewal ⚬ No foreign transcation fees |
50K points 50K after $2K spend in 120 days$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. FM Mini Review: This card offers decent return on gas station and travel spend and it features no foreign transaction fees. However, return on most other spend is relatively weak. Earning rate: 4X travel and gas stations ⚬ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Card Type: Visa Noteworthy perks: $30 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $30 credit) ⚬ Mobile phone insurance when you pay your bill in full with the card ($25 deductible, up to $600 in coverage) |
60K miles 60K miles after $5K spend in 90 days$450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This is a very weak offer considering the hefty annual fee. Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining Card Type: Visa Signature Big spend bonus: 10K miles on anniversary with $35K in purchases, 5K miles on anniversary with $15K in purchases Noteworthy perks: 5% off Korean Air flights (cardholder+companion) 2X/calendar year ⚬ 2 Korean Air VIP Lounge coupons each year ⚬ $100 Global Entry / TSA Pre-Check credit ⚬ Discount coupon for $100 off Korean Air ticket ⚬ Two $25 coupons for Korean Air in-flight duty free purchases |
$500 Cash Back $500 cash back after $4500 spend on the account owner's card in first 150 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. FM Mini Review: Nice welcome bonus. Useful for its 3% categories, but you can do much better for spend outside of those categories. Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% Card Type: Mastercard World Elite Noteworthy perks: Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks. |
40K miles 40K miles after $4K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2x on Korean Air, Hotels and Dining Card Type: Visa Signature Noteworthy perks: 5% off Korean Air flight (cardholder+companion) 1X/calendar year ⚬ 2 Korean Air VIP Lounge coupons each year ⚬ 2,000 bonus points upon renewal ⚬ No foreign transcation fees |
30K points 30K after $2K spend in 4 months$85 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: I don't see much use for this card past the signup bonus. Cancel when the next annual fee comes due. Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines Card Type: Amex Credit Card Noteworthy perks: ⚬ $25 airline fee credit when points are redeemed for round-trip flights ⚬ One time TSA PreCheck or Global Entry fee credit |
$250 cash back $250 after $2K spend in 120 days$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. FM Mini Review: This is a niche choice for 6% cash back at certain retailers that some may find rewarding. Otherwise this card is not particularly exciting. Earning rate: 6x on first $1,500 in purchases each quarter with two retailers you choose ⚬ 3x on first $1,500 in purchases per quarter on one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities) Base: 1.5% Gas: 2% Other: 6% Card Type: Visa Signature |
$200 Cash Back $200 after $1000 spend in 120 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. FM Mini Review: Useful for its 5% categories, but you can do better for all other spend. Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores Base: 1% Travel: 5% Dine: 2% Gas: 2% Grocery: 2% Shop: 5% Phone: 5% Other: 5% Card Type: Visa Signature |
20K points 20K after $1K 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. FM Mini Review: This card offers solid return on dining - including takeout & delivery - and no annual or foreign transaction fees. That makes it a great option for those who prefer cash back. Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ⚬ 2X grocery (including meal kit delivery), gas stations, and streaming services Card Type: Visa Noteworthy perks: $15 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $15 credit) |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Wells Fargo
| Wells Fargo App Tips |
Must have existing banking relationship before getting approved for most cards | Limit one signup bonus per 16 months | Hard inquiries are combined when approved same day |
| Check application status here. If denied, call reconsideration here: 1-866-412-5956 (consumer) or 1-800-231-9244 (business) |
|||
| Card Offer and Details |
|---|
90K Points 90K after $3K spend in first 3 months$95 Annual Fee FM Mini Review: Worth getting for the welcome offer and keeping for the 30,000 anniversary points. The 5x categories could also be interesting for some. Earning rate: 10X at Choice Hotels ⚬ 5X at gas stations, grocery stores, home improvement stores, and phone plans ⚬ 1X everywhere else Card Type: Mastercard World Elite Noteworthy perks: Automatic Platinum status ⚬ 30,000 bonus points each card anniversary ⚬ Cell phone Protection ($25 deductible, $800 max per claim) |
60K Points 60K after $1K spend in first 3 monthsNo Annual Fee FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status Earning rate: 5X at Choice Hotels ⚬ 3X at gas stations, grocery stores, home improvement stores, and phone plans ⚬ 1X everywhere else Card Type: Mastercard World Elite Noteworthy perks: Automatic Gold status ⚬ Cell phone Protection ($25 deductible, $800 max per claim) |
30K points 30K after $1,500 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services Card Type: Visa Signature |
$200 Cash Back $200 after $500 spend in the first 3 monthsNo Annual Fee FM Mini Review: This card offers a competitive flat 2% back on purchases and includes good cell phone insurance for a fee-free card (up to $600 in protection with just a $25 deductible). Base: 2X (2%) Card Type: Visa |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Other Banks and Offers
| Card Offer and Details |
|---|
Up to 100K points (call to apply) 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee$0 introductory annual fee for the first year, then $550 Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Card Type: Visa Infinite Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ⚬ $350 annual airline fee credit for selected domestic airline ⚬ $100 towards Global Entry or TSA Pre√ ⚬ Primary rental car coverage for business rentals ⚬ Travel accident insurance, emergency medical evacuation coverage, delayed & lost luggage, trip delay, trip interuption, trip cancellation ⚬ Price protection, event ticket protection, return protection, extended warranty, purchase protection ⚬ No foreign transaction fees |
Up to 100K points (call to apply) 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee$0 introductory annual fee for the first year, then $495 Bonus offer is not available to either current or previous UBS credit cardmembers FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Card Type: Visa Infinite Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ⚬ $250 annual airline fee credit for selected domestic airline ⚬ 12 Gogo inflight wifi passes ⚬ $100 towards Global Entry or TSA Pre√ ⚬ Primary car rental collision and theft insurance coverage ⚬ Travel accident insurance, emergency medical evacuation coverage, lost luggage, trip delay, trip cancellation ⚬ No foreign transaction fees |
30K points + 2x coupons 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel, dining, transit, and rideshare ⚬ 1X elsewhere Card Type: Mastercard World Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend. Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions ⚬ Complimentary companion coupon ⚬ One-Class Upgrade and a single-day ClubAcela pass each year. ⚬ 20% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
12K points 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. Earning rate: ⚬ 2X Amtrak ⚬ 2X dining ⚬ 1X elsewhere Card Type: Mastercard Platinum Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions. ⚬ 10% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
Up to 50K points (call to apply) 25K after $5K spend in 3 months + 25K after $50K spend in 12 monthsNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. Base: 1X (1.5%) Card Type: Visa Signature Noteworthy perks: Primary rental car coverage for business rentals ⚬ Travel accident insurance ⚬ Delayed and lost luggage coverage ⚬ Extended warranty ⚬ Return protection |
Up to 50K points (call to apply) 25K after $5K spend in 3 months + 25K after $50K spend in 12 monthsNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. Base: 1X (1.5%) Card Type: Visa Signature Noteworthy perks: Travel and purchase protection |
35K points 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) FM Mini Review: This card may be worth it for the welcome bonus and possibly for the annual rideshare benefit if you have an HSBC Premier checking account and can thus keep the card annual fee-free. Note that the points value is based on HSBC's stated value when redeemed for airfare via the HSBC portal. Earning rate: 2x travel (includes airlines, hotels, and car rentals) Card Type: Mastercard World Noteworthy perks: $50 Uber or Lyft credit annually (20% back up to $50) ⚬ TSA PreCheck credit once every 5 years ⚬ Complimentary Boingo Wi-Fi |
80K points 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 Type: Mastercard World 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) |
50K Points 50K points after $3K spend in 90 days$95 Annual Fee FM Mini Review: Meh. Points are only worth about 0.85 cents each. I recommended this card when it used to be fee-free, but not for $95 per year. Earning rate: 4X Travel for PenFed Honors Advantage Members ⚬ 3X travel otherwise ⚬ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members. Card Type: Visa Signature Noteworthy perks: $100 Domestic Airline Fee Credit ⚬ $100 Global Entry credit ⚬ Priority Pass Membership ($32 per visit) |
30K miles 30K after $3K spend in 3 months from account opening$0 introductory annual fee for the first year, then $85 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is good, but due to the annual fee, you can do better after the first year. Earning rate: 2X everywhere Base: 2X (2%) Card Type: Visa Signature Noteworthy perks: Redeem miles for travel at value of 1 cent per mile (or for a statement credit at a value of 0.5 cents per mile) |
$300 Cash Back $300 statement credit after $3000 spend in first 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. FM Mini Review: This card offers a decent cash back bonus and nice ongoing perks for a card with no annual fee. While the 1.5% earnings rate is not special, the card may be appealing in situations where you anticipate price protection or travel protections being useful. Earning rate: 1.5% everywhere Base: 1.5% Card Type: Visa Noteworthy perks: Price protection (up to $500 per claim / $2500 per year) ⚬ Lost and delayed baggage protection ⚬ Trip cancellation / interruption protection |
$300 Cash Back $300 statement credit after $4000 spend in first 90 days$0 introductory annual fee for the first year, then $95 Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022. 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: Might be appealing for cash back bonus hunters who can make use of the 5% and 10% bonus categories, but the $200 monthly limit on earned cash back rewards could be annoying to track. Earning rate: 2.5%, 5%, or 10% back at select retailers ⚬ 1.5% everywhere else ⚬ Note a monthly limit of $200 in earned rewards. Base: 1.5% Card Type: Visa Signature Noteworthy perks: As much as 10% back in rewards at select retailers. Note that cash back rewards are limited to $200 back per calendar month. |
35K miles 35K after $3K spend in 90 days$95 Annual Fee Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days. 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 Cathay Pacific ⚬ 1.5X dining ⚬ 1.5X purchases outside of the US ⚬ 1X everywhere else Card Type: Visa Signature Noteworthy perks: Complimentary green tier membership in the Marco Polo Club for first year of card membership |
Up to $200 in statement credits $100 credit with 5G phone offer and $100 statement credit after first purchase within 90 days of account opening. No Annual Fee Earning rate: Earn Verizon Dollars: 4% grocery & gas ⚬ 3% dining ⚬ 2% Verizon (including monthly wireless bill) ⚬ 1% everywhere else Card Type: Visa Signature Noteworthy perks: $10 per month savings per line (up to 10 lines) by using card for Autopay ⚬ No foreign transaction fees. |
$200 Back $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. FM Mini Review: 2% cashback everywhere is decent, but this card doesn't really have anything to separate it from any other 2% cashback card. Earning rate: 2X everywhere Base: 2X (2%) Card Type: Mastercard Credit Card |
$200 Cash Back $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent welcome bonus for a 2% cash back card. Earning rate: 2% everywhere Base: 2% Card Type: Visa Signature |
$200 Cash Back $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent low-spend welcome bonus on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal. Earning rate: 2% everywhere Base: 2% Card Type: Visa Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend |
$150 back $150 bonus when you spend $500 within 3 months.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: This card isn't ordinarily worth a look with only 1.8% cash back. Earning rate: 1.8% back everywhere Base: 1.8% Dine: 1.8% Gas: 1.8% Other: 1.8% Card Type: Mastercard World Noteworthy perks: 1.8% cash back on all purchases |
$200 cash back $200 cash back after $3K 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. FM Mini Review: The Affinity Cash Rewards Visa Signature card could be really interesting for its rotating categories since the fine print indicates that it stacks on top of ordinary earnings. Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $3500 in purchases per month) ⚬ Extra 5% back in rotating categories ⚬ 2% back at restaurants, gas stations, and supermarkets Base: 1% Dine: 2% Gas: 2% Grocery: 2% Other: 5% Card Type: Visa Signature Noteworthy perks: No foreign transaction fees; cell phone protection |
$150 Cash Back $150 in rewards (15K points) after $1000 in purchases in first 120 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. FM Mini Review: Decent welcome bonus for very low spenders and nice ongoing 4x (effectively 4%) back on dining with no annual fee, but note that rewards expire 5 years from the end of the quarter in which they are earned and there is a $25 mininum redemption threshold. Earning rate: 4x Dining, takeout, & delivery ⚬ 2x grocery stores, grocery delivery, gas station, and streaming services ⚬ 1x everywhere else Base: 1% Dine: 4% Gas: 2% Grocery: 2% Card Type: Visa Signature |
$100 Cash Back $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. FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus. Earning rate: 1.5% everywhere Base: 1.5% Card Type: Mastercard |
$200 Statement Credit $200 statement credit with $3k spend in the first 90 days$95 Annual Fee FM Mini Review: By means of "Rocket Points" this is really a 1.25%-5% cashback card. Could be useful to build some cash towards a down payment, lackluster otherwise. Earning rate: 5x Rocket Points everywhere Base: 1.25% Card Type: Visa Signature Noteworthy perks: Points can be redeemed towards down payment or closing costs at 5% cash back value ($8,000 max per loan), towards Rocket Mortgage principal at 2% cash back value or towards statement credits at 1.25% cash back value |
None No bonus at this time.$400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20). Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else Card Type: Visa Infinite Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend. Noteworthy perks: Up to $350 a year in statement credits for airline incidental fees (as of 1/1/20) ⚬ 12 Gogo In-Flight Wifi passes per card ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20) |
5,000 points 5K after $500 in first 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. FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee. Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ⚬ 3x at bars, restaurants, and select delivery services ⚬ 1x everywhere else Base: 1% Dine: 3% Brand: 5% Other: 5% Card Type: Mastercard Noteworthy perks: Annual LFC International Membership for as long as card account is active (benefits include a 10% retail discount in LFC official stores and online with a maximum discount value of £75 per season year, digital matchday programmes for every Premier League home match, and access to a dedicated online Members' Area as well as discounts on Anfield Stadium Tours and food from the Boot Room Sports Café as well as an LFC pen, pin badge, and keyring upon LFC International Membership initiatio). ⚬ LFCTV GO complimentary for the first year; and then with LFC International Membership, cardholders receive 50% off LFCTV GO each following year. |
5,000 points 5K after $500 in first 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. FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee. Earning rate: 5x rideshare and streaming services ⚬ 5x bars and restaurants on match days ⚬ 1x everywhere else Base: 1% Dine: 5% Other: 5% Card Type: Mastercard Noteworthy perks: 10% off at the Manchester United Megastore, Red Cafe, and United Direct ⚬ $5 towards Peacock Premium after $500 monthly spend |
50K points 50K after $4K spend in 3 months$395 Annual Fee FM Mini Review: Points are worth 1.5c each when redeemed for airfare through the HSBC portal. Could be worthwhile for a welcome bonus, but not rewarding enough to justify keeping beyond the first year. Earning rate: 3x travel (includes airlines, hotels, and car rentals) ⚬ 2x dining Card Type: Mastercard World Elite Noteworthy perks: $100 Uber or Lyft credit annually (up to $20 per ride, up to $100 per year) ⚬ $100 annual air travel credit (reimburses tickets, seat upgrades, baggage fees, or in-flight purchases) ⚬ LoungeKey membership and 2 free lounge visits per year ⚬ Global Entry or TSA PreCheck credit ⚬ Complimentary Boingo Wi-Fi |
15K Points 15K points after $1,500 spend in 90 daysNo Annual Fee FM Mini Review: A decent-ish no annual fee card, given the 5x and 3x categories. Points are are only worth .85 cents each, so really the 5x is 4.25x and the 3x is 2.55x. There's probably better options out there. Earning rate: 5x Gas and EV Charging ⚬ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ⚬ 1X everywhere else. Card Type: Visa Signature |
No standard bonus Earn a mystery bonus of 4x, 5x, or 10x on every dollar spent for the first 30 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. FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards. Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month Base: 2X (2%) Card Type: Visa Signature Big spend bonus: Earn 3x for all spend between $1000 and $7,500 each calendar month Noteworthy perks: Higher credit limit than most cards ⚬ Virtual card numbers ⚬ 90 day purchase protection against theft or damage ⚬ Up to 1 year extended warranty ⚬ $250 return protection ⚬ cell phone protection ($500 max, $50 deductible) ⚬ trip protection ⚬ car rental coverage |
None 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.No Annual Fee Note that many people see a offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month). Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ⚬ 3x Lyft ⚬ 2x Travel ⚬ 1x rent (one payment per month, up to 100,000 points per year) ⚬ 1x everywhere else Card Type: Mastercard World Elite Noteworthy perks: Transfer points 1 to 1 to airline and hotel programs (including American Airlines, United, Hyatt, Aeroplan, and more) ⚬ Redeem points for 1.25 cents each towards travel booked through Bilt's travel portal ⚬ Cell phone insurance ⚬ Primary rental car insurance ⚬ Purchase protection ($10K/item, $50K/year) ⚬ Travel insurance ⚬ No fee to pay rent and earn rewards |
None No Annual Fee FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. Earning rate: 8x Rideshare ⚬ 5x Brex Travel ⚬ 4x Restaurants ⚬ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ⚬ 1x everywhere else Card Type: Mastercard World Elite Noteworthy perks: Transfer points 1 to 1 to airline programs: Aeromexico, Air France Flying Blue, Avianca Lifemiles, Cathay Pacific Asia Miles, Emirates Skywards, JetBlue, Qantas, Singapore KrisFlyer ⚬ $5K AWS credits ⚬ Up to $100K AWS Activate credits ⚬ Up to 50% off UPS shipments ⚬ 25% off Slack for 12 months ⚬ 20% Annual Zoom Subscription discount ⚬ 50% Dropbox discount ⚬ Up to $150 Google Ads credit ⚬ 40% off first 12 months QuickBooks ⚬ And many more discounts |
No Welcome Bonus No Annual Fee FM Mini Review: With most of this card's category bonuses, you can do better with other cards. If you do find a useful category and max out the $2K spend each quarter, you'll come out only $80 ahead per year compared to using a 2% cash back card. Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Shop: 3% Office: 3% Biz: 3% Other: 3% Card Type: Mastercard |
No Welcome Bonus This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets. 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: Points are worth $0.01 each toward a statement credi Earning rate: 5% back at at every store at every Simon Mall, Mills, or Premium Outlet in the U.S. Use your card 5 times each statement period to earn Rewards. ⚬ 1% back on all other purchases. Base: 1% Shop: 5% Brand: 5% Card Type: American Express |
No Welcome Bonus No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent cash back card for everyday spend with no foreign transaction fee. Earning rate: 3% cash back when you check out with PayPal ⚬ 2% cash back everywhere else Base: 2% Brand: 3% Card Type: Mastercard Signature |
No Welcome Bonus No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent cash back card for everyday spend. Earning rate: 3% cash back when you check out with PayPal ⚬ 2% cash back everywhere else Base: 2% Brand: 3% Card Type: Mastercard Signature |
None This card no longer features a first-year bonus.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Good cash back card for everyday spend as long as you do not spend more than $20K per billing cycle (at which point a 2% card would be better). Lack of foreign transaction fees is a positive. Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back) Base: 2.5% Card Type: Visa Signature Noteworthy perks: No foreign transaction fees |
None 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. FM Mini Review: This card could be a good option for someone looking for a 2% cash back Mastercard, though keep in mind that the Citi DoubleCash is a competitor that earns at the same rate while offering points which could become transferable to airline partners, whereas the SoFi credit card only earns cash back rewards. Earning rate: 2X everywhere Base: 2% Card Type: Mastercard World Elite Noteworthy perks: 2% cash back on all purchases (3% for first year on up to $12k with direct deposit) ⚬ no foreign transaction fees ⚬ cell phone insurance |
None 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. Earning rate: 2X everywhere Base: 2% Card Type: Visa Signature Noteworthy perks: 2% cash back on all purchases |
None There is currently no welcome offer on this cardNo 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: Although this is marketed as a travel card, it's really cashback, since the rewards can be used for travel, a statement credit or an ACH transfer at the same rate. 3% back on dining, travel and gas is pretty good for a no annual-fee card, especially with no foreign transaction fees. Earning rate: ⚬ 3X Travel, Dining and Gas ⚬ 1X everywhere else Card Type: Mastercard Credit Card |
None NoneNo Annual Fee After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3% on your eligible top spend category ⚬ 2% on your second top category ⚬ 1% everywhere else ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment Base: 1% Card Type: Visa |
3% back for 12 months 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. FM Mini Review: While the headline is 3% back for a year, the bonus itself is an extra 1.5% back on up to $20K in purchases for the first year. That's certainly not a bad return on otherwise unbonused spend, but many other cards on the market that offer even moderately good welcome bonuses offer greater net return with significantly less spend. Earning rate: 1.5% everywhere Base: 1.5% Card Type: Mastercard World Noteworthy perks: No foreign transaction fees |
0% APR on balance transfers 0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent cash back card in the three bonus categories, although the $8k annual limit in spending across those categories will be less exciting for many. Earning rate: 4X gas stations ⚬ 3X dining ⚬ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) Card Type: Visa Noteworthy perks: Cell phone protection |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward Fanatics gift cards, so this card could be a good deal for its bonus categories. Earning rate: 4x gas ⚬ 4x bars, restaurants, and select food delivery services ⚬ 4x on Pelicans tickets ⚬ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store Base: 1% Dine: 4% Gas: 4% Brand: 4% Other: 4% Card Type: Mastercard |
$150 (call to apply) $150 after $5,000 spend in 3 months$150 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. FM Mini Review: The annual fee kills the value here Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1% Base: 2% Card Type: Visa Signature Noteworthy perks: Purchase security ⚬ extended warranty ⚬ Return protection ⚬ Travel accident insurance ⚬ Delayed and lost luggage coverage ⚬ Primary collision and damage waiver coverage on rental cars for business |
Jump To Credit Card Offers For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo, Other
Can’t find what you’re looking for?
Please see: How to find the best credit card offers AND support this site.
Denied?
If your application is denied, it is often worth calling the bank to talk to an analyst. They may be able to approve you on the spot after asking a few questions.
Advertiser and Refer-A-Friend Disclosure
Many of the card offers that appear on this site are from companies from which Frequent Miler receives compensation. Please see my full advertiser disclosure here. And, some offers are friend referrals in which we will earn points or other rewards in exchange for successfully referring you through the link shown here.
 |
Affiliate Link Example Offers for which I receive compensation are shown with credit card images. |
 |
Refer A Friend Example Refer-a-friend offers are shown with this image |
 |
Non-Affiliate Link Example With many of the best offers, I do not receive compensation. This is indicated by the presence of a small “No Affiliate” image |
KLM is 50k, not 70k
I currently have the old IGH Rewards Club card $49 annual fee. Will I get bonus if I apply Chase IHG Rewards Premier Business? On the chase website, it says 140K points, but on your website it says 165K points $3K spend in 3 months. Which one is correct?
WF Autograph now 20K, down from 30K. This could be a temporary drop to discourage new apps while WF force converts Propels to Autographs over the next few months.
FYI I noticed a few days ago that a couple of the US Bank cards disappeared from this list, namely the Altitude Go and the Business Triple Cash. I doubt this was intentional, hope not because I use this list as a reference sheet. Also not sure whether any other cards have disappeared.
Thanks for this. We can’t figure out why they disappeared either, but we were able to put them back. Really appreciate the heads up!
Is it possible to search to find a comment you made? I posted something about Chase credit cards…..wanted to check to see if a reply was made….can’t remember the article. Do you have way that I see what I posted? Thanks…..Good job on the web site. Enjoy your articles.
Wyndham Rewards Earner Business Card – BEWARE.
I have met the $2,000 spend requirement and received my second statement but no 65,000 point bonus, so I called Barclays. They confirmed that I have met the spend requirement but said the terms and conditions (the agent actually called it the small print) state that after meeting the spending requirement then I must wait 8 to 12 weeks for the bonus!!
What a pathetic bank.
I have met $2000 spend requirement, but Barclays said there is no welcome bonus associated with my application. Not sure how that happened.
I have 7 Priority Pass cards at present, not including P2’s (don’t ask me how or why – ask the credit card issuers (one in particular). Which one is better than the other or are they all the same?
Any from Amex are inferior because they don’t cover restaurants.
Most others are the same and allow 2 guests
The one from the Ritz card theoretically allows unlimited guests
Just got the new IHG Business card and I can confirm that it is definitely subject to 5/24.
Congrats on getting approved. How did your experience prove 5/24 was in effect? Did you have to call recon?
Yes. I had to call and the first agent said I was 5/24 and I said I wasn’t because one of the cards showed me as an AU on my wife’s card. She said she couldn’t see that but would pass me on to a different agent. This agent was the actual one that approves or not and she looked it up and said she only saw 4 cards, not 5 and approved me.
Hi, just a suggestion. It would be helpful to create views to filter by rewards programs (i.e. AA, United, Marriott etc) or Airline alliances (i.e. One World, Star Alliances etc), this was it’ll be easier to someone to find an offer based on which rewards currency they need without knowing which bank issues the credit card. It looks like it’s grouped by banks now, again which is fine for someone who know who are issuers are for all the rewards program out there.
That’s a great idea. It’s difficult to do with the way we built this page, though. I’ll have to think about whether we can do something like that either here or on another page.
On the Chase Website, I see the Freedom Flex and Freedom Unlimited both having a 20k bonus for a $500 spend in the first 3 months. Would this bring the Freedom Unlimited to a similar 1st year value of the Freedom Flex? The current values I see are ($570 — Flex) and ($300 — Unlimited)
Barclays is a comical joke. Data points: 815 TU, zero lates, 8 yrs credit history, 8 open credit cards, 2 in the last year, 1 inquiry in the past 2 yrs. Applied for the JetBlue Biz card, automatically DENIED. Called and spoke to recon analyst. They need 2 yrs tax returns and P&L. Wow! Was I applying for a mortgage with them or a credit card? Not happy as I now have a hard inquiry on my TU credit report for 2 yrs. Has anyone ever gotten approved with them?
To answer your last question, yes. I have Barclay Aviator Silver, Barclay Aviator Business (just approved last month} and JetBlue card. No issues at all getting any of them.
I noticed that you have listed a 75k offer for the Hyatt business card. Is that a current offer?
Also where on your site can I find info for reaching to Globalist status on the card thru spend? Thank you
Chase Sapphire Preferred 80K SUB through referral is here 🙂
Where is the link that used to advise people how to get to 500K or million points and what cards to get?
It seems like there’s a $3,500 Cap1 Spark offer through a BRM.
Thanks for this valuable resource. I find it a great place to start. Can FM share how the 1st year values are calculated? I would love to have a spreadsheet for each offer to tweak my own expected points/miles redemption values, my own valuation of any credits/perks and and to calculate my particular ancillary costs associated with spend above my normal spend in order to predict each offers first year value specific to my circumstances.
If you hover over the “i” in the circle next to the first year estimation, it says something like “click here for details about how we calculate first year value”. That brings you to this page with more detail:
https://frequentmiler.com/credit-card-signup-bonus-estimation-details/
BOA Amtrak offer is dead fyi
Fixed. Thanks!
My go-to resource for years, thanks for constantly improving it!
Couple minor clean-ups: the Amazon Prime Rewards Visa should be under personal instead of business, and also the US Bank Triple Cash link goes to a 404 page not found.
Thanks again,
-Troy
Thank you! I’ve fixed these issues. I really appreciate it!
Capital One Venture X speculation.
I noticed on the VRBO website that some hotels advertise there.
Makes me wonder if it would be possible to use the $200 Vacation Rental Credit by booking a couple days through VRBO to get the credit. Then booking directly with the hotel for another few days to get the $300 travel credit. Then calling the hotel to tie 2 reservations together.
Does that sound plausible?
You have the Marriott as only worth seven dollars. With three 3. 50,000 point nights at bonvoy properties don’t see how you do the math. I figure each of those certificates will save me at least $500 a night.
The WF Visa Signature link now points to their new Active Cash card, which appears to also be a “Visa Signature”, but it does not have the 5X for 6 months on 12.5K of G/G/D nor the 1.5 cents on flights redemption option. I can’t find the old Visa Signature on their website either.
Same with the Rewards Visa.
Has anyone tried calling Chase to waive the annual fee and/or extend the annual free night voucher? I had originally schedule my voucher last yr but then had to cancel bc of the lockdown. Chase then extended the expiration date until 12/31/2021. I have a young child which is still not allowed to get a covid vaccine so we’re unable to travel. My annual fee is now due and I called asking for a waiver or at least an extension of my current voucher but Chase says no. Wondering if anyone else had better luck.
Which Chase card are you referring to?
I got told during Platinum for Schwab application that I wasn’t eligible for welcome offer. I currently have the regular platinum (~12 months old)… the gold (~6 months old)… and a few older Hilton surpass cards. I’ve not cancelled any Amex cards (yet. Any reason why not eligible? (I am a schwab client)
Unfortunately, nobody really knows for sure what causes the algorithm to decide that there’s no soup for you. Anecdotally, putting spend on your existing Amex cards seems to help. So if you’ve not put any spend on some of your cards for a while, try sprinkling in some spend on each of them for a month or two and try again.
Anyone have a working Bank of America phone number to followup with a denied BOA Alaska Airlines Personal card?
The number listed above isn’t working, and it’s very frustrating trying to speak to a human agent.
I wish you’d remove the Capital One links or at least have a warningwith a link to your difficulties with them.
I disagree with your valuation on the mariott boundless. $7? 3 free nights @ 50k point properties is worth $1200 or more to me.
A word of caution on Barclays cards:
Today I got a call about a missed payment from Barclays on a credit card. I have never missed a payment in 40 years. It turns out that the amount was deducted from my Chase Bank account for the Bill pay” I made but the payment was not received by Barclays. After looking into this I see that Chase just sends the checks by mail (USPS), not electronically. Barclays says the didn’t receive it and Chase says they sent it. So, in future I have to wait at least a week and then check to see that Barclays actually shows the amount as paid.
I know the address was correct because 2 previous bill pay amounts went through and so it was not an error on my part. I had some words with Chase who claimed there were only 2 possibilities: either the USPS lost the check or Barclays lost it. When I pointed out that there was a third possibility where someone at Chase dropped it in the gutter on the way to the mailbox or put it in the trash by mistake, they were offended.
Most likely the check will turn up in a month or two but I have now voided it. Barclays was good enough to reverse the late fee and interest charge (or at least said they would) when I paid them on the phone. I will check to make sure everyone does what they said they would do, but it does go to show that one has to be careful with payments to Barclays as it’s not an electronic payment.
It could have been much more awkward if Barclays decided to claw back the bonus miles for non-payment.
Can you pl add the referral link for the 130K AMEX Platinum card?
There isn’t a fixed link that will show you that everytime. Instead, bring up our link in different clean browser windows and with various devices until it shows you the 130K offer when you click through.
New language I’ve never seen before on a Chase application in February:
You must keep the card open for at least 6 months or you may lose your bonus miles.
Have you ever seem that before? Sounding more like Amex to me.
Interesting. No, I haven’t seen or noticed that before.
I have been offered by an email from AMEX to “apply for an upgrade” from my Everyday card (no-fee) to the Everyday Preferred card ($95) fee and get 40,000 points after $2K spend in 3 months. I ahve hardly every used the card I have.
This seems like a reasonable offer – BUT will they do a credit pull?
That’s not just “reasonable”, it’s FANTASTIC in my opinion. I don’t think I’ve ever seen a new cardmember bonus on that card of more than 30K. We reported the 40K upgrade offer recently. Totally worth it in my opinion as it beats the offer you’d get applying new and you don’t use up a 5/24 slot.
Nobody can tell you for sure whether or not Amex will pull your credit, but anecdotally I don’t think I’ve heard a single report of an existing cardholders getting hard pulled even for a new Amex card application in years. In other words, existing cardholders typically aren’t getting a hard pull even for a new card application with Amex, never mind an upgrade offer. So while it’s not impossible that they’ll hard pull, it is more likely that it’ll just be a soft pull – and either way, I think the importance of pulls has long been overblown. While a letter may say “too many inquiries” as a reason for denial, it’s like a “it’s not you it’s me” breakup letter. It’s just a reason, but necessarily the real reason.
Sorry, I didn’t mean a credit pull – I meant will it add to my 5/24 count?
The offer came with specific codes and I have Platinum personal and business card, so they should know me.
In other words, will it show up as a new card on my credit score/report?
No, an upgrade with Amex does not add a new account.
No, an upgrade won’t add to your 5/24 count.
Thanks, Nick – I do appreciate your advice. I will give it a go (in a month or so as I have some hefty spending to do right now on … other cards). Covid may have put a damper on my planned travel for the last year but it has done wonders for my/our miles and points (P1+P2). Firstly we haven’t spent any miles or points and we have gained more than any other 12 month period to date, mostly transferable points – I am frightened to say how many. And we have Hyatt Globalist for the first time (until Feb 2023) and Marriott Platinum should arrive any day now (until Feb 2022). And we now have a grand total of exactly 51 free njghts, mostly lower-end (Marriott Cat-4 and 5, Hyatt Cat 1-4, Radissons in US, IHG mid-tier and even a Hilton) and some expiring by end of July (yes, I’m looking at you Marriott and Radisson) but in all we lost only 1 night that expired so far. Even better we will both be vaccinated with 2nd dose in a week.
And what has all this done to our credit scores? Never better!
I have Frequent Miler to thank in large part because in the old days I had to look at many blogs every day or so, but now I look only at yours because you cover whatever the others do anyway, and much clearer and with less pushing for sign-ups for your fees. The only other blog I read often is Doctor of Credit who gives me enough on Bank and Investment account bonus advice to more than pay for all my annual fees on the zillion cards I have.
Perhaps we will meet one day and I’ll buy the drinks!
Hi Greg, above you say:
“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.”
Is that for Business cards as well?
Yep
Thanks. I love your blog. And your quick responses.
I’m thinking of going for the AMEX Bonvoy Business card even though I have had the SPG Business card in the past (closed in 2015). I may not get the 125K bonus and I will definitely not be able to use the $150 credits, but I am looking for an easy Platinum status. I have 3 x 7-week packages and 9 separate 35K certificates to use which adds up to a whole month of Marriott free nights. And this card gets an extra night on each anniversary. The only things is that one 7-night package and all 9 x 1 night certificates expire on the new date of 8/1/2021 and I am likely to not yet be traveling. I think I will be ready for travel in November when my other 2 weeks are set to expire.
I see this AMEX offer expires on 1/13/2021 so I am having a dilemma: should I just go for it now or wait in case the offer is extended. What would you do in this situation, Greg, Platinum for 1 year (plus 1 free 35K night) for $125? Or, what is the likelihood of AMEX extending the offer or is there any other cheap way to get Marriott Platinum status?
If I were traveling at present I would not hesitate, but I don’t see a vaccine for myself for at least 6 to 8 months.
If you go for it now, I think that you’ll get a popup if you’re likely not to get the points. So it should be safe to try it.
After Jan 13, we don’t know what will happen. The usual offers in the past never included elite status so I’d expect it to go back to that. On the other hand, it’s certainly possible that they’ll either extend this offer or offer something similar later in 2021. No guarantee.
My advice: go for it now. If you get the pop-up then stop. Otherwise, go forward and earn the points and status for a year.
And of course AMEX may even give me the 100K points – if they think 5 years is a lifetime …
One more question on this card:
Above you say the offer ia valid until 1/13/2021. Assuming this card will still be offered, what would be lost in the offer if it reverts to whatever it used to be?
Is it the number of points or the Platinum status? The latter is what I am looking for.
It’s very likely that Platinum status won’t be offered. Also the number of points may go down.
Thank you.
GOLD AMEX card has random rejection on SUB if p[aying taxes. Works for many not all. I just paid PayPal linked aChase INK CIC for county taxes—it’s pending. SO not sure if AMEX is card dependent problems, submittal process but I’m testing Chase/paypal combo. Good part my county charges 2.35% fees if using a CC but PP seems to allow this so far. Next worry point will I get SUB credit on a $6700 county tax payment. Thanks for your blog….lots of time helping posters.
It was much more helpful when there was a separate page for the Business cards. Definitely not as useful now that they are mixed in with personal cards.
That separate business card page is still there. I added back the link to that page so that it’s easier to find.
Looking for some advice:
I have about 16,000 FlexPoints and a card that still earns these points up for renewal. Is it worth the $49 to renew? Or should I just cut my losses and dump the card? I have had some use out of it in the past.
I would need to earn 4,000 points to get to 20,000 and be able to get up to $400 in airline tickets – or is it now $300? That would be $2,000 spend if in a category such as groceries or $4,000 in general spend or some mixture.
Any suggestions?
I see I can convert my points to $150 cash back. Looks like the best option to get rid of these points. In what form would the cashback be? I wouldn’t want a credit on my card.
Points are worth a flat 1.5 cents each towards travel now. You should be able to cash out though at 1 cent per point. I’m not sure what form that takes but I think that withdrawing to a bank account or sending a check may be an option
Thanks, Greg, I think I’ll do that. I think $150 now is better than paying another $49 fee and having this conversations again next year! 🙂
OK< I called and they said it can only come as a credit on the credit card. So, I still went ahead thinking I’d just wait until it shows up on my card then cancel the card and wait for a refund. But when I went to do this online I saw an additional option: deposit the $150 to my US Bank checking account, which I selected and it’s there immediately. Wasted 1000 points but no matter. Now I will close the card and the checking account once I have drained it.
I am in the mode of cleaning up all my credit cards, getting rid of the useless ones.
Thanks.
You need to update the Amex BCP. It’s value has significantly increased with the $300 bonus and $95 annual fee waived the first year.
Thanks. Unfortunately the offer you’re referring to doesn’t always show up. That’s why we have a note on the offer that says: “