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
Best Mastercard Offers
This page shows the best available welcome bonus offers for Mastercard credit cards. Cards are sorted according to our estimated first year value (information about first year value calculations is given below the table).
Also see: Best Visa Card Offers, Best Business Card Offers, Best Credit Card Offers.
If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash" />) ⓘ $1335 1st Yr Value EstimateClick to learn about first year value estimates $1,500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,500 after $15,000 spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 FM Mini Review: A good option for business owners who prefer simple cash back rewards. |
 ⓘ $1118 1st Yr Value Estimate5 60K IHG Free Nights valued at $1280 Click to learn about first year value estimates 5 x 60K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Five 60K free night certificates after $5K spend in 3 months after account opening.$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (Expired 6/2/24) |
 ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 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: 75k miles after $4k spend within first 3 months + a one-time $250 Capital One Travel credit to use in your first cardholder year 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. Click here for our complete card review |
 ⓘ $914 1st Yr Value EstimateClick to learn about first year value estimates 40K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K points after $2K spend in the first 3 billing cycles $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes |
 ⓘ $887 1st Yr Value EstimateClick to learn about first year value estimates 75K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 75K points after $4K spend in the first 3 months.$95 Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). FM Mini Review: Great card for regular or frequent Air Canada flyers |
 ⓘ $842 1st Yr Value EstimateClick to learn about first year value estimates 65K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K miles after $4K spend in first 5 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. Recent better offer: 75K miles after $5K spend in first 5 months (ended 5/22/25) FM Mini Review: This card usually has a great welcome offer, but if you're looking for a card to keep long term, you'll find better options. |
 ⓘ $811 1st Yr Value Estimate$100 companion voucher valued at $50 Click to learn about first year value estimates 65K Points + $100 Voucher Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K points plus $100 companion voucher after $1K spend in 90 days (enter any 110662 as "employee code")$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. |
 ⓘ $787 1st Yr Value EstimateClick to learn about first year value estimates 70K miles + 100XP Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K miles + 40XP after $3K in the first 90 days + 60 XP upon approval$89 Annual Fee Alternate Offer: Some people get an offer for $100 statement credit while doing a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review |
 ⓘ $785 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $1k spend within first 90 days$99 Annual Fee Alternate Offer: Some are targeted by e-mail or mail for an 85K offer 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 after one purchase within first 90 days |
 ⓘ $769 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $2k spend within first 90 days.$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 70K miles after one purchase within first 90 days |
 ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60,000 points after $4,000 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: 75k after $6 spend in 3 months (ended 4/8/25) FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash Click here for our complete card review |
![](http://cdn.nextinsure.com/imaging/opt/e19aa472-38e5-4c90-9980-8ac54ecec6be.png?w=300" alt="Capital One Spark Miles for Business" />) ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
 ⓘ $704 1st Yr Value EstimateClick to learn about first year value estimates 140K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $4K on purchases in the first 3 months from account opening.$99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). Recent better offer: 200K after $9k spend in 6 months (expired 4/30/25) |
 ⓘ $694 1st Yr Value EstimateClick to learn about first year value estimates 120K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 120K points after $2K spend in 3 monthsNo Annual Fee FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit. |
 ⓘ $683 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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. |
 ⓘ $663 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $1K in spend in 90 days and payment of annual fee. $99 Annual Fee Note that the landing page prompts you to enter a mobile phone number to continue the application, but you can click "no thanks" to continue the application on your desktop device. 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 after $1k spend in first 90 days (expired 6/5/25) 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. |
 ⓘ $658 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K miles after $2,500 spend in first 3 months $0 introductory annual fee for the first year, then $99 Alternate Offer: There may be an alternative offer of 30K + $400 AA credit that can be found when doing a dummy booking on aa.com. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K miles after $3,500 spend in 3 months (ended 10/14/24) FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) |
 ⓘ $637 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K Miles after $3K spend in 90 days + payment of the annual fee$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: Expired 1/1/23: 100K Miles after $3K spend in 90 days |
 ⓘ $635 1st Yr Value EstimateClick to learn about first year value estimates 100K miles Non-AffiliateThis is NOT an affiliate offer. 100K miles after $10,000 spend in first 3 months$595 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 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. |
 ⓘ $601 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] |
 ⓘ $587 1st Yr Value EstimateClick to learn about first year value estimates 50k Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50k miles after spending $4,000 within the first 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
 ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K bonus miles after spending $2K in first 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one offers Group A boarding and earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers. |
 ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates 75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K (worth $750 as a deposit into eligible account) after $10K spend in 120 days$195 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card offers an excellent signup bonus. For ongoing use, it's effectively a 2% cashback card that increases to 2.5% for the first $5K in mobile wallet spend per quarter. |
 ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $500 after $5,000 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. FM Mini Review: On its own, this is a decent, no-annual fee 2% cash back card. However, when paired with the Autograph or Autograph Journey, those points become transferable to travel partners, making the uncapped 2x earnings much more appealing. |
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash Select" />) ⓘ $428 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer One time bonus: $500 after $4,500 spend in 3 months from 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 9/9/24: $750 Cash Back after $6k 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. |
 ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates $500 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $500 statement credit after $5K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
 ⓘ $416 1st Yr Value EstimateClick to learn about first year value estimates 50K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $4K 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) 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 may be worth it for the welcome offer 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. |
 ⓘ $410 1st Yr Value EstimateClick to learn about first year value estimates 40K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4)$99 Annual Fee Alternate Offer: Increased targeted offers may be available. 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 Tier Points and annual 3rd night free at Virgin Hotels might be useful for some, especially with the anniversary bonus...but it's more "meh" than "yeah" for most of us. |
 ⓘ $402 1st Yr Value EstimateClick to learn about first year value estimates $600 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $600 OneKeyCash after $3K spend in first 3 months$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. FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 7x earning at Expedia could be valuable for some. |
 ⓘ $380 1st Yr Value EstimateClick to learn about first year value estimates 50K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 50K miles after $1000 in purchases in the first 90 days + instant Gold status with account opening & first purchase; maintain Gold status for 12 months with $3,000 in purchases within first 90 days. $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to 100K miles: Earn 50K miles + $100 Frontier flight voucher after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchase; maintain Gold status for 12 months with $3,000 in purchases within first 90 days. Plus, earn an additional 50,000 miles if you apply by 1/31/25, are approved, provide proof that you are the primary cardholder of a co-branded credit card with another US domestic airline, and complete $3,000 in purchases in the first 180 days. |
 ⓘ $378 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60K after $1K spend in first 3 monthsNo Annual Fee Alternate Offer: Choice members may be targeted for a higher offer 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 bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status |
 ⓘ $343 1st Yr Value EstimateClick to learn about first year value estimates $400 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $400 OneKeyCash after $1K 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: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently |
 ⓘ $303 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles + 1 Year Silver status Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K after $3K spend in 90 days$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. |
ⓘ $302 1st Yr Value EstimateClick to learn about first year value estimates 12K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
 ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points.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: 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. Click here for our complete card review |
 ⓘ $292 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the 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: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. |
 ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates 20K miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.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 offer for a card with no annual fee, but other cards offer better rewards for ongoing spend. |
 ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates $200 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 statement credit 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: 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 |
 ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K FunPoints Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K FunPoints after spending $1,000 within the first 90 days of account opening.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: Even for Carnival enthusiasts, there's not much to get excited about here. |
 ⓘ $276 1st Yr Value EstimateClick to learn about first year value estimates 20K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K points after $1500 spend in the first 6 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. 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. |
 ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates 38K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 38K miles after $3,000 spend in the first 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Note that some received a targeted email offer for 65K miles after $5K spend in 90 days on the old version of the card |
 ⓘ $252 1st Yr Value EstimateClick to learn about first year value estimates 30K points Non-AffiliateThis is NOT an affiliate offer. 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. |
 ⓘ $248 1st Yr Value EstimateClick to learn about first year value estimates 70K Miles + 1 Year Gold status Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K after $3K spend in 90 days$499 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. |
 ⓘ $237 1st Yr Value EstimateClick to learn about first year value estimates $300 statement credit Non-AffiliateThis is NOT an affiliate offer. $300 statement credit 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. FM Mini Review: This can be a very appealing card for the $50,000/year in 3% bonus categories...and it becomes downright sexy if you have Preferred Rewards as well. |
 ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60K after $3K spend in first 3 months$95 Annual Fee Alternate Offer: Choice members may be targeted for a higher offer 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: Worth getting for the welcome offer and keeping for the 30,000 anniversary points. The 5x categories could also be interesting for some. |
 ⓘ $207 1st Yr Value EstimateClick to learn about first year value estimates $300 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
 ⓘ $202 1st Yr Value EstimateClick to learn about first year value estimates 15K miles Non-AffiliateThis is NOT an affiliate offer. Earn 15K AA miles after $500 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: Not bad for grocery spend if you highly value AA miles |
 ⓘ $194 1st Yr Value EstimateClick to learn about first year value estimates $225 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $75 statement credit for every $500 spent within the first 90 days, up to $225No 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: Shop Your Way points are worth .85 cents each and can only be used towards specific gift cards and merchandise. But where this card shines is with its regular offers that start to appear after putting spend on the card, often giving 10-15x cash back or Thank You Points on various categories of purchases. It's a keeper because of it. |
 ⓘ $192 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer One time bonus: $200 after $500 spend in 3 months from account opening. 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: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Spotify. |
 ⓘ $191 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles + 5 tiles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles + 5 tiles after $5K in spend in 90 days and payment of annual fee. $499 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 + 5 tiles after $5K in spend in 90 days and payment of annual fee. (Expired 6/5/25) FM Mini Review: This card is difficult to justify, even for the welcome offer. Note also the $150 fee per authorized user. While cardholders will get access to JetBlue lounges when those open, the first of two that have been announced is scheduled to open in late 2025. Until JetBlue lounges open, the perks just don't justify the annual fee. Consider the JetBlue Plus card instead, though note that those who have or have had the Plus card aren't eligible for the Premier card. |
 ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer One time bonus: $200 after $500 spend in 3 months from account opening. 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. |
 ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates $200 Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
 ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
 ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates 20K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K after $1K 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. 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 offer spend 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. |
 ⓘ $170 1st Yr Value EstimateClick to learn about first year value estimates 25K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K after $1K in first 90 days$59 Annual Fee Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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. |
 ⓘ $137 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K points (worth $200) after $3K spend in the first 60 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Effectively a 2% cashback card on bonuses categories. Outside of the welcome offer, there's not much that's exciting here. |
 ⓘ $112 1st Yr Value EstimateClick to learn about first year value estimates 10K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points after $1K spend in 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: Not bad for a no annual fee airline card. |
 ⓘ $111 1st Yr Value EstimateClick to learn about first year value estimates 10K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
 ⓘ $95 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler One time bonus: $100 after $300 spend in 3 months from account opening. 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: You can do better with a 2% cash back card that has no annual fee. |
 ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
 ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $100 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. |
 ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $100 after $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. FM Mini Review: This could be a good fit for those who spend a lot in the card's 4X categories. |
 ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K miles after $2,500 spend within the first three months$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. FM Mini Review: Only for hardened LATAM loyalists, this card has little appeal due to the low value of LATAM Pass points. |
 ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 10K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points after $1K spend in the 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: MGM loyalists would probably do better with the Iconic card, everyone else would do better with any other card. |
 ⓘ $65 1st Yr Value EstimateClick to learn about first year value estimates 15K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 15K miles after $1,000 spend within the first three 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: Even with no annual fee, this card has little appeal due to the low value of LATAM Pass points. |
 ⓘ $46 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click to learn about first year value estimates 30K points + $200 Resort Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. $249 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: 40K points + 10K tier credits after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. (Expired 6/1/25) FM Mini Review: Could be a decent option for MGM loyalists who spend at MGM resorts. |
 ⓘ $21 1st Yr Value EstimateClick to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K after $4K spend in 3 months$495 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 1.5c each when redeemed for airfare through the HSBC portal. Could be worthwhile for a welcome offer, but not rewarding enough to justify keeping beyond the first year. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates Free DashPass Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Receive 12 months of DashPass for free upon approvalNo 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: Could be worth considering for folks who spend a lot on DoorDash and restaurants. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link 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: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates 0% APR Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card no longer offers a welcome offer.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: 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. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler There is currently no welcome offerNo 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. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Welcome OfferNo 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 PayPal spend. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
 ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer There is no official welcome offer, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.No Annual Fee Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions. 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 annual 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). |
 ⓘ $-20 1st Yr Value EstimateClick to learn about first year value estimates 3% back for 12 months Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 welcome offer 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 provide even moderately good welcome offers give a greater net return with significantly less spend. |
Calculations
First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.
Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.
Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.
Can’t find what you’re looking for?
Try the CardMatch Tool to see if you are targeted for a better offer than those shown above.
[…] earns a better return than the points — or use this to easily meet the spend for one of the Best Mastercard Offers. Since you can pay a wide range of things via Mastercard (see: Complete Guide to Plastiq credit […]
[…] Best Mastercard Offers […]