Best credit card offers

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 BonusesBest 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.

Best Credit Card Offers (sorted by first year estimated value)

Best Consumer Card Offers
Card Offer Mini
UBS Visa Infinite
Up to 100K points (call to apply)
UBS Visa Signature
Up to 50K points (call to apply)
Amazon Prime Visa
$150 Amazon Gift Card and 5% back for 90 days
Simon® American Express® Credit Card from Cardless
$150 Statement Credit (Note that this card has been announced but is not yet available for applications)
Amazon Visa
$60 Amazon Gift Card and 3% back for 90 days
Best Business Card Offers
Card Offer Mini
Hilton Honors American Express Business Card
Limited Time Offer: 150K Points + free night certificate
Alaska Airlines Visa Business Card
50K miles + $100 statement credit + Companion Fare
Best of the Best Offers Best Low Spend Offers Best Business Card Offers
Best Airline Card Offers Best Hotel Card Offers Best Cash Back Offers

 

American Express 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
The Business Platinum Card® from American Express
150K points
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

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

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.Targeted online offer of 120K points after $15K spend in the first 3 months + 10x at office supply and hardware stores up to $7500 in spend See this post for details.

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


Card Type: Amex Pay Over Time Card

Base
Travel
Other

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.

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 Jan-June; $200 July-Dec) ⚬ 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

American Express® Gold Card
90K points + $200 in statement credits
90K points after $4K in purchases in the first 6 months + $200 statement credit for purchases in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 6/7/2023)

$250 Annual Fee

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

Recent better offer: 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.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Grocery

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (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.

The Platinum Card® from American Express
100K points + 10x dining
100K after $6K spend in 6 months plus 10x dining for 6 months on up to $25K spend. Terms apply.

$695 Annual Fee

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

Recent better offer: 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.


Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel

Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline ⚬ $200 prepaid hotel credit annually valid on Fine Hotels & Resorts and The Hotel Collection bookings. ⚬ Up to $300 in Equinox credits. ⚬ Up to $20 per month rebate for select digital entertainment services (NY Times, ESPN+, Disney+, Hulu, Peacock, Sirius XM, Audible) ⚬ $189 CLEAR fee reimbursement annually. ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ $300 credit when buying a SoulCycle bike directly from SoulCycle (up to 15 bikes per year) ⚬ $12.95 monthly credit for Walmart+ monthly membership subscription credit. ⚬ 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 Gold card AUs. Terms Apply. (Rates & Fees)

See also: Amex Platinum Guide

The Platinum Card® from American Express Exclusively for Morgan Stanley
100K Points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.


Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel

Big spend bonus: $500 after $100K cardmember year spend

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ 1 Free Authorized User ⚬ Redeem points for 1 cent each into your Morgage Stanley account ⚬ $550 Annual Engagement Bonus for Reserved Clients

See also: Amex Platinum Guide

American Express® Green Card
60K Points
60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. Terms apply. See Rates & Fees

$150 Annual Fee

Recent better offer: This is the best we've seen

FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine

Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See (Rates & Fees)

Noteworthy perks: $189 CLEAR credit annually ⚬ $100 LoungeBuddy credit annually Terms Apply. (Rates & Fees)

The Platinum Card® from American Express for Schwab
80K points
80K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee


Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $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

American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Gas
Biz

Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.

Noteworthy perks: 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Terms Apply. (Rates & Fees)

The Blue Business® Plus Credit Card from American Express
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

Alternate offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner.


Card Type: Amex Credit Card

Base

Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

The Amex EveryDay® Credit Card from American Express

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Card Type: Amex Credit Card

Base
Grocery

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.24% to 24.24% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

The Amex EveryDay® Preferred Credit Card from American Express
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

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

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

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.


Card Type: Amex Credit Card

Base
Gas
Grocery

Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.

Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

Business Green Rewards Card from American Express

Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.

Noteworthy perks: None

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

No Annual Fee First Year, Then $99

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.


Card Type: Amex Credit Card

Base
Dine
Brand
Other

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

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

Noteworthy perks: 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)

Delta SkyMiles® Gold American Express Card
40K miles
40K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)

No Annual Fee 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.


Card Type: Amex Credit Card

Base
Dine
Grocery
Brand

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

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

Noteworthy perks: 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)

Delta SkyMiles® Platinum Business American Express Card
60K miles
60K miles after $3K spend in 3 months. 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


Card Type: Amex Credit Card

Base
Travel
Brand
Other

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

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

Noteworthy perks: 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)

Delta SkyMiles® Platinum American Express Card
50K miles
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

Recent better offer: 00K after $4K spending in first 3 months [Expired 3/30/23]

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


Card Type: Amex Credit Card

Base
Travel
Dine
Grocery
Brand

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

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

Noteworthy perks: 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)

Delta SkyMiles® Reserve Business American Express Card
70K miles
70K Miles after $5K spend in 3 months. Terms apply. (Rates & Fees)

$550 Annual Fee

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

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.


Card Type: Amex Credit Card

Base
Brand
Other

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

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

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

See also: Delta Reserve complete guide

Delta SkyMiles® Blue American Express Card
10K miles
10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)

No Annual Fee

FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend.


Card Type: Amex Credit Card

Base
Dine
Brand

Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases

Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)

Delta SkyMiles® Reserve American Express Card
50K Miles + 10K MQM's
50K miles and 10K Medallion Qualification Miles (MQMs) after $5K spend in first 6
months. Terms apply. (Rates & Fees)

$550 Annual Fee

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

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.


Card Type: Amex Credit Card

Base
Brand

Earning rate: 3X Delta

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

Noteworthy perks: 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 ⚬ 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

American Express Credit Cards / Hotels

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Cash Back Cards

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

$450 Annual Fee

FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least once per year, and other Hilton properties a few times a year..


Card Type: Amex Credit Card

Base
Travel
Dine
Brand

Earning rate: ⚬ 14X Hilton spend ⚬ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ⚬ 3X on all other eligible purchases ⚬ Terms & Limitations Apply.

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

Noteworthy perks: ⚬Annual Weekend Night Reward upon approval and every year upon renewal ⚬ Free Diamond Status ⚬ Priority Pass 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

Hilton Honors American Express Business Card
Limited Time Offer: 150K Points + free night certificate
150K + free night certificate after $4K spend in 3 months. Offer ends 7/19/23. 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.


Card Type: Amex Credit Card

Base
Travel
Dine
Gas
Phone
Biz
Brand
Other

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

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

Diamond elite status with $40K calendar year spend

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

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

Hilton Honors American Express Surpass® Card

FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.


Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

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

Big spend bonus:
⚬ Free night award after $15K spend in calendar year ⚬ Diamond elite status with $40K calendar year spend ⚬ Terms apply

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

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

Hilton Honors American Express Card

FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card.


Card Type: Amex Credit Card

Base
Travel
.
Dine
Gas
Grocery
Brand

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

Big spend bonus: Gold elite status with $20K calendar year spend

Noteworthy perks: ⚬ Free Silver status; Gold status with $20K spend. ⚬ Terms Apply. (Rates & Fees)

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

Marriott Bonvoy Business® American Express® Card
75K Points
75K points after $3K of eligible purchases in the first 3 months of card membership. Terms apply. (Rates & Fees)

$125 Annual Fee

Recent better offer: 100K points after $4K spend in the first 3 months [Expired 11/2/22]


Card Type: Amex Credit Card

Base
Dine
Gas
Phone
Biz
Brand

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)

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

Marriott Bonvoy Bevy™ American Express® Card
85K Points
85K points after $4K spend in 3 months

$250 Annual Fee

Recent better offer: 125K after $4K first 3 months (Expired 1/12/23)


Card Type: Amex Credit Card

Base
Dine
Grocery
Brand

Earning rate: 6X Marriott.⚬ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ⚬ 2X on all other eligible purchases

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

Marriott Bonvoy Brilliant® American Express® Card
95K Points
95K points after $5K in the first 3 months. Terms apply. (Rates & Fees)

$650 Annual Fee

Recent better offer: 150K after $5K spend in 3 months [Expired 1/12/23]

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


Card Type: Amex Credit Card

Base
Travel
Dine
Brand

Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases

Big spend bonus: Annual Choice Award with $60K calendar year spend

Noteworthy perks: ⚬ 85K Free Night Award each year upon renewal ⚬ $300 dining credit per membership year ($25/mo) ⚬ Platinum Elite status ⚬ 25 elite nights credit ⚬ Priority Pass 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

American Express Credit Cards / Cash

Also see: Amex Membership Rewards Cards, Amex Airline Cards, Amex Hotel Cards

Card Offer and Details
Blue Cash Preferred® Card from American Express
$350 back
$250 cash back as a statement credit after $3K in the first 6 months plus $100 cash back as after $1K in first 3 months Terms Apply. (Rates & Fees)

No Annual Fee First Year, Then $95

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

Recent better offer: Up to $350: 10% cash back as a statement credit on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

FM Mini Review: Solid cash back option (cash back given in the form of a statement credit), especially for those who spend a lot at US Supermarkets and US gas stations


Card Type: Amex Credit Card

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

Earning rate: ⚬ 6% cash back 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 credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ⚬ Terms apply.

Noteworthy perks: Terms Apply. (Rates & Fees)

Blue Cash Everyday® Card from American Express

Card Type: Amex Credit Card

Base
1%
Gas
3%
Grocery
3%
Shop
3%

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.

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)

American Express Blue Business Cash™ Card

Card Type: Amex Credit Card

Base
2%

Earning rate: 2% cash back as a statement credit on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.

Schwab Investor Card® from American Express

FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend.


Card Type: Amex Credit Card

Base
1.5%

Earning rate: 1.5% on all eligible purchases

Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account.

American Express Cash Magnet® Card

Card Type: Amex

Base
1.5%

Earning rate: 1.5% on all eligible purchases

Noteworthy perks: See rates & fees.

Morgan Stanley Blue Cash Preferred® American Express Card

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


Card Type: Amex Credit Card

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

Earning rate: ⚬ 6% cash back 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.

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

Noteworthy perks: Terms Apply. (Rates & Fees)

Amazon Business Prime American Express Card

FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.


Card Type: Amex Credit Card

Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%

Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods 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

The Plum Card® from American Express
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)

$250 Annual Fee


Card Type: Amex Pay Over Time Card

Noteworthy perks: Terms and limitations apply. (Rates & Fees)

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
Air France KLM World Elite Mastercard
70K miles + 100XP points
70K miles + 40 XP after $2K in the first 90 days + additional 60XP points upon approval

$89 Annual Fee

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

Alternate offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that also includes a $100 statement credit.

FM Mini Review: Valuable only for the welcome offer, then it should go off to the sock drawer.


Card Type: Mastercard World Elite

Base
Brand

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

Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ⚬ 40XP points towards status after anniversary when you spend $15K or more the previous year

Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years.

Alaska Airlines Visa Signature
72K miles + Companion Fare
72K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months

$95 Annual Fee

Leave "Employee ID" blank or fill-in with any 6-digit number

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

Recent better offer: Up to 67K miles: 42K miles + Companion Fare ($99 + taxes) after $2K spend in 3 months + 25K miles after $8K total purchases in first 6 months [Expired during 2021]

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears


Card Type: Visa Signature

Base
Gas
Brand
Other

Earning rate: 3X Alaska Airlines ⚬ 2X gas, cable, streaming services and local transit including ride share purchases ⚬ 1X elsewhere

Big spend bonus: $121 companion pass every year after $6K spend. 2,000 Elite-Qualifying Miles after every $10K in 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

See also: Alaska Airlines Companion Fare Complete Guide

Free Spirit Travel More Mastercard

Card Type: Masrercard World Elite

Base
Dine
Grocery
Brand

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

Big spend bonus: ⚬ $100 Companion Flight Voucher EACH anniversary after making at least $5,000 in purchases within the prior year Earn ⚬ 1 SQP (towards elite status) for each $10 of spend

Noteworthy perks: Waived redemption fees ⚬ Points Pooling ⚬ 25% in-flight food & beverage rebate ⚬ No points expiration ⚬ No foreign transaction fees ⚬ Zone 2 priority boarding

Alaska Airlines Visa Business Card
50K miles + $100 statement credit + Companion Fare
50K miles + $100 statement credit + Companion Fare ($99 fare + taxes) after $3K spend in 3 months

$95 Annual Fee

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears


Card Type: Visa

Base
Gas
Brand
Other

Earning rate: 3X Alaska Airlines ⚬ 2X gas, shipping and local transit including rideshare purchases ⚬ 1X elsewhere

Big spend bonus: $121 companion pass every year after $6K spend. 2,000 Elite-Qualifying Miles after every $10K in 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

See also: Alaska Airlines Companion Fare Complete Guide

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

No Annual Fee First Year, Then $75

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


Card Type: Mastercard World

Base
Travel
Brand

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

Big spend bonus: 30K bonus points with $7.5K cardmember year spend

Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks)

Business Advantage Unlimited Cash Rewards credit card

Card Type: Mastercard

Base
1.5X
(1.5%)

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.

Noteworthy perks: Up to 75% bonus for Preferred Rewards for Business banking customers

See also: Bank of America business cards: awesome if you can invest $100K in business accounts with Merrill Edge in order to get Preferred Rewards for Business Platinum Honors status

Bank of America Premium Rewards

FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else.


Card Type: Visa Signature

Base
1.5%
Travel
2%
Dine
2%

Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else

Noteworthy perks: ⚬ $100 annual airline incidentals fee reimbursement ⚬ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ⚬ Up to 75% bonus for Preferred Rewards banking customers

Bank of America Business Advantage Cash Rewards Mastercard

Card Type: Mastercard

Base
1%
Travel
3%
Dine
2%
Gas
3%
Phone
3%
Office
3%
Biz
3%

Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else.

Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. This means that you can earn up to 5.25% with this card! Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.

Virgin Atlantic World Elite Mastercard

Card Type: Mastercard World Elite

Base
Brand

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

Big spend bonus: Companion award ticket with $25K annual spend ⚬ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ⚬ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month).

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

Bank of America Premium Rewards Elite

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.


Card Type: Visa Infinite

Base
1.5%
Travel
2%
Dine
2%

Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else

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

Royal Caribbean® Visa Signature® Credit Card

FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.


Card Type: Visa Signature

Base
Brand

Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara

Celebrity Cruises® Visa Signature® Credit Card

FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Celebrity. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.


Card Type: Visa Signature

Base
Brand

Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara

BOA Business Advantage Travel Rewards World Mastercard

Card Type: Mastercard World

Base
1.5X
(1.5%)
Travel

Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center

Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%

Bank of America Travel Rewards

Card Type: Visa Signature

Base
1.5X
(1.5%)
Travel

Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

See also: Bank of America cards: awesome if you've got $100K lying around

Norwegian Cruise Line® World Mastercard®

FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome bonus requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors.


Card Type: Mastercard World

Base
Travel
Brand

Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel

BOA Platinum Business Visa

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.


Card Type: Visa Platinum

Bank of America Customized Cash Rewards
$200 Cash Back
$200 after $1000 spend in 90 days

No Annual Fee


Card Type: Visa Signature

Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%

Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

AAA Member Rewards Visa Signature Card

Card Type: Visa Signature

Base
1%
Travel
3%
Gas
2%
Grocery
2%
Shop
2%
Brand
3%
Other
2%

Earning rate: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else

Noteworthy perks: No foreign transaction fees

Free Spirit Travel Mastercard

Card Type: Masrercard World

Base
Brand

Earning rate: 2X Spirit

Big spend bonus: ⚬ 5K bonus miles each anniversary when you spend $10K within prior year

Noteworthy perks: Points Pooling ⚬ 25% in-flight food & beverage rebate ⚬ No points expiration ⚬ No foreign transaction fees ⚬ Zone 2 priority boarding

Allegiant World Mastercard® Credit Card
15K miles
15K after $1K in first 90 days

$59 Annual Fee

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

Alternate offer: You may be targeted for an offer including a $100 statement credit during a dummy booking.

FM Mini Review: Points are worth $0.01 each toward airfare and do not expire unless you cancel the card. If you cancel the card, you forfeit all points. Between that policy and the annual fee, this card probably isn't worth it in most scenarios.


Card Type: Mastercard World

Base
Dine
Brand

Earning rate: 3x Allegiant ⚬ 2x dining

Noteworthy perks: Priority Boarding and one free beverage every time you fly Allegiant and show your card. ⚬ BOGO airfare when you use your card to buy a vacation package with at least a 4-night hotel stay or 7-day car rental on a single itinerary

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
AAdvantage Aviator Red World Elite MasterCard

Card Type: Mastercard World Elite

Base
Brand

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

Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend.

Noteworthy perks: First checked bag free ⚬ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ⚬ 25% off in-flight purchases ⚬ $25 wifi credit per membership year ⚬ Flight cents: round up purchases to earn more miles

JetBlue Business Card
75K Miles
50K bonus miles after spending $4K in first 90 days + additional 25K miles after $10K spend in first year.

$99 Annual Fee

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


Card Type: Mastercard

Base
Dine
Office
Brand

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

Big spend bonus: Earn 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

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

Barclays JetBlue Plus Mastercard
60K Miles
60K miles after $1K spend and payment of the annual fee in 90 days

$99 Annual Fee

FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

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

Big spend bonus: Earn 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

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

AAdvantage® AviatorTM Business MasterCard®
Up to 75K Miles
Up to 75K miles: 50K bonus miles after spending $4K in first 90 days + additional 25K miles after spend $10K in first 12 months.

$95 Annual Fee

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

Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days.


Card Type: Mastercard

Base
Travel
Phone
Office

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

Big spend bonus: $99 companion certificate with $30K account year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding ⚬ 5% bonus on miles earned the previous year after AF is paid ⚬ 25% statement credit on in-flight purchases

Wyndham Rewards Earner Plus Card
75K Points
75K points after $1K spend in first 90 days

$75 Annual Fee

FM Mini Review: Not bad, but the business version is better.


Card Type: Visa Signature or Platinum

Base
Dine
Gas
Grocery
Brand

Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else

Noteworthy perks: 7,500 points each anniversary year ⚬ Platinum status ⚬ 10% discount on free night awards ⚬ Cardmember discount on paid stays ⚬ No foreign transaction fees

See also: Wyndham Earner credit cards review: Surprisingly strong

Frontier Airlines World MasterCard®

Card Type: Mastercard World

Base
Dine
Brand

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

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

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

Lufthansa Miles & More® Premier World MasterCard® issued by Barclays

Card Type: Mastercard World

Base
Brand

Earning rate: 2X Miles & More

Noteworthy perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee

Emirates Skywards Rewards World Elite Mastercard

Card Type: Mastercard World Elite

Base
Travel
Brand

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

Big spend bonus: Maintain Emirates Skywards Silver status with $20K spend per membership year (Silver status offers cardmember lounge access to Emirates Business Class lounges in Dubai only)

Noteworthy perks: 25% discount when buying miles ⚬ No foreign transaction fees

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

$99 Annual Fee


Card Type: Mastercard World Elite

Base
Dine
Gas
Office
Brand

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

Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;

Noteworthy perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines

The Hawaiian Airlines® World Elite MasterCard® issued by Barclays

Card Type: Mastercard World Elite

Base
Dine
Gas
Grocery
Brand

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

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

WyndhamEarner
45K Points
45K points after $1K spend in first 90 days

No Annual Fee

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


Card Type: Visa Signature or Platinum

Base
Dine
Gas
Grocery
Brand

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

Big spend bonus: 7,500 points each anniversary year after $15K spend

Noteworthy perks: Gold status ⚬ 10% discount on free night awards ⚬ Cardmember discount on paid stays ⚬ No foreign transaction fees

See also: Wyndham Earner credit cards review: Surprisingly strong

Wyndham Rewards Earner Business Card
Up to 75K Points
Up to 75K points: 50K after after $3K spend in first 90 days and 25K after $10K in first 12 months.

$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.


Card Type: Visa Signature

Base
Gas
Phone
Biz
Brand
Other

Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else

Noteworthy perks: 15,000 points each anniversary year ⚬ Diamond status ⚬ 10% discount on free night awards ⚬ Cardmember discount on paid stays ⚬ No foreign transaction fees

See also: Wyndham Earner credit cards review: Surprisingly strong

Emirates Skywards Premium World Elite Mastercard

Card Type: Mastercard World Elite

Base
Travel
Brand

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

Big spend bonus: 10K bonus miles with $30K spend per membership year ⚬ Maintain Emirates Skywards Gold status with $40K spend per membership year (Gold status offers cardmember and guest lounge access to Emirates Business Class lounges worldwide)

Noteworthy perks: Priority Pass Select ⚬ Global Entry Fee Credit ⚬ 25% discount when buying miles ⚬ No foreign transaction fees

Upromise World MasterCard® issued by Barclays
$200 Cash back
$200 cash back after $500 spend in the first 90 days

No Annual Fee

FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend.


Card Type: Mastercard

Base
1.25%

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.

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)

PRICELINE REWARDS VISA® CARD

Card Type: Visa

Base
1%
Dine
2%
Gas
2%
Brand
5%

Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants.

JetBlue Card

FM Mini Review: Not bad for a fee-free airline card.


Card Type: Mastercard World

Base
Dine
Grocery
Brand

Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬

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.

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

AARP® Essential Rewards Mastercard®

Card Type: Mastercard

Base
1%
Gas
3%
Other
3%

Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else

AARP® Travel Rewards Mastercard®

Card Type: Mastercard

Base
1%
Travel
3%
Dine
2%

Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else

Capital One

Capital One
App
Tips
There is no known rule against getting the same card and bonus again even if you still have the card open Must wait 6 months after application before applying for another Capital One card Most credit inquiries go through all 3 bureaus You can have max 2 Capital One personal cards
(not counting co-brands)
To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866
Card Offer and Details
Capital One Venture X Business Card
150K Miles
Earn 150K miles after $30K spend in the first 3 months and another 150K miles after $500K spend in the first 12 months. We're listing this as a $150K offer as we assume most folks won't attempt the $500k spend. *NO PUBLIC LINK, MUST APPLY VIA A CAPITAL ONE RELATIONSHIP MANAGER*

$395 Annual Fee

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.


Card Type: Visa

Base
Travel
Other

Earning rate: 10X on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else.

Noteworthy perks: Up to $300 in statement credits annually for bookings made through Capital One Travel ⚬ 10,000 bonus miles each year starting at first anniversary ⚬ Receive up to $100 application fee credit for Global Entry or TSA PreCheck® ⚬ Priority Pass membership (Lounges AND Restaurants) with unlimited guests ⚬ Plaza Premium lounge access ⚬ Cell phone insurance ⚬ Trip delay / cancellation 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

Capital One Venture Rewards Credit Card
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.

$95 Annual Fee

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

Recent better offer: 100K: 50K after $3K in the first 3 months + 20K after $20K in the first 6 months [Expired 7/19/21]

FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points.


Card Type: Visa Signature

Base
Travel
Other

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

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

Capital One Venture X Rewards Credit Card
75K Miles
Earn 75,000 bonus miles after $4K spend in 3 months

$395 Annual Fee

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

Recent better offer: 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.


Card Type: Visa Infinite

Base
Travel
Other

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.

Noteworthy perks: Up to $300 in statement credits annually for bookings made through Capital One Travel ⚬ 10,000 bonus miles each year starting at first anniversary ⚬ Receive up to $100 application fee credit for Global Entry or TSA PreCheck® ⚬ Priority Pass membership (Lounges only) with unlimited guests ⚬ Plaza Premium lounge access ⚬ Premier Collection Hotel bookings ($100 experience credit, daily breakfast for 2 and other premium benefits) ⚬ Cell phone insurance ⚬ Trip delay / cancellation 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 (For Capital One products listed on this page, some of the above benefits are provided by Visa(R) or Mastercard(R) and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply)

Capital One Spark Miles for Business
50K Miles
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening

No Annual Fee First Year, Then $95

Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule

Recent better offer: Earn up to 200K "miles": 50K after $5K spend in the first 3 months from account opening and an additional 150K after $50K spend in the first 6 months from account opening [Expired 1/27/20 and breifly available in 2021]

FM Mini Review: This card is 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.


Card Type: Mastercard

Base
Travel

Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car
bookings through Capital One Travel

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees ⚬ Fee credit for either $85 TSA Pre✓® application fee or $100 Global Entry application fee

Capital One Spark Miles Select Business Credit Card

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.


Card Type: Mastercard

Base
Travel

Earning rate: 1.5X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees

Capital One Spark Cash Select for Excellent Credit
$500 Cash Back
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening

No Annual Fee