Best Mastercard Offers

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
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® ⓘ $1061 1st Yr Value EstimateClick to learn about first year value estimates 80K Miles Non-AffiliateThis is NOT an affiliate offer. 80K miles after $3,500 spend in first 4 months $0 introductory annual fee for the first year, then $99 Learn more 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: None 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.)
The Aeroplan® Card ⓘ $1027 1st Yr Value EstimateClick to learn about first year value estimates 85K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 85K points after $4K spend in the first 3 months. $95 Annual Fee Learn more This card is likely subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great card for regular or frequent Air Canada flyers
IHG One Rewards Premier Business Credit Card ⓘ $1007 1st Yr Value EstimateClick to learn about first year value estimates Up to 200K 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, plus earn 60K bonus points after spending $9K in the first 6 months from account opening (Offer Expires 10/22/2025) $99 Annual Fee Learn more This card is expected to be subject to Chase's 5/24 rule (click here for details).
Citi Strata Elite℠ Card ⓘ $991 1st Yr Value Estimate$200 Blacklane credit valued at $80, $200 "Splurge" credit valued at $160, $300 hotel credit via Citi Travel valued at $180 Click to learn about first year value estimates 80K Points Non-AffiliateThis is NOT an affiliate offer. 80,000 points after $4,000 spend in 3 months. $595 Annual Fee Learn more Alternate Offer: 100,000 points after $4,000 spend in 3 months. This offer is available in-branch or possibly via email. 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 portfolio of transfer partners, but mediocre bonus categories and a so-so group of credits. Recommend pairing this with Citi Premier and/or Double Cash. Click here for our complete card review
Capital One Venture Rewards Credit Card ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles Non-AffiliateThis is NOT an affiliate offer. 75k miles after $4k spend within first 3 months $95 Annual Fee Learn more Alternate Offer: Alternate offer for 75k miles + $300 travel credit available for some via referral pre-approval 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
Barclays JetBlue Plus Mastercard ⓘ $923 1st Yr Value EstimateClick to learn about first year value estimates Up to 80K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K points after $1K in spend in 90 days and payment of annual fee, with 20K additional points after spending $6,000 in the first year $99 Annual Fee Learn more 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. 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.
JetBlue Business Card ⓘ $905 1st Yr Value EstimateClick to learn about first year value estimates Up to 80K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K bonus points after spending $2K in first 90 days, with 20K additional points after spending $6,000 in the first year $99 Annual Fee Learn more 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 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.
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays ⓘ $896 1st Yr Value EstimateClick to learn about first year value estimates 80K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K miles after $2.5k spend within first 90 days. Appplication requires a six-digit promo code. Any random number will work. $99 Annual Fee Learn more 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
Capital One Spark Cash ⓘ $890 1st Yr Value EstimateClick to learn about first year value estimates $1,000 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,000 after $10,000 spend in 3 months from account opening $0 introductory annual fee for the first year, then $95 Learn more Recent better offer: $1,500 after $15,000 spend in 3 months from account opening (Expired 8/11/25) FM Mini Review: A good option for business owners who prefer simple cash back rewards.
IHG One Rewards Premier Credit Card ⓘ $869 1st Yr Value EstimateClick to learn about first year value estimates 165K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 165K points after spending $3K on purchases in the first 3 months from account opening. (Offer Expires 10/22/2025) $99 Annual Fee Learn more 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 7/24/25)
The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® ⓘ $851 1st Yr Value EstimateClick to learn about first year value estimates Up to 80K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Up to 80K miles: 50K after $2k spend within first 90 day plus an additional 30K after $5K in total purchases in the first 180 days. $99 Annual Fee Learn more 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
Citi® / AAdvantage Business™ World Elite Mastercard® ⓘ $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 4 months $0 introductory annual fee for the first year, then $99 Learn more 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.
Free Spirit Travel More Mastercard ⓘ $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 Learn more 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.
Citi Strata Premier℠ Card ⓘ $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 Learn more 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
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. $0 introductory annual fee for the first year, then $95 Learn more 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.
Capital One Spark Miles Select Business Credit Card ⓘ $683 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 after $4,500 spend in 3 months from account opening No Annual Fee Learn more 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.
Virgin Red Rewards Mastercard® ⓘ $673 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 90 days + 2.5k for adding an authorised user (up to 4) $99 Annual Fee Learn more Alternate Offer: 60K points + $100 available via a dummy booking; see this post for more details Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: 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.
Capital One Spark Cash Select ⓘ $654 1st Yr Value EstimateClick to learn about first year value estimates $750 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 cash back when you spend $6,000 within the first 3 months of account opening No Annual Fee Learn more Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule 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.
IHG One Rewards Traveler Credit Card ⓘ $634 1st Yr Value Estimate2 50K IHG Free Nights valued at $428 Click to learn about first year value estimates 2x 50K free night certificates + 40K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 2x 50K free night certificates + 40K points after $2K spend in 3 months (Offer Expires 10/22/2025) No Annual Fee Learn more Click here to view details about a similar card: IHG Rewards Club Premier Recent better offer: 120K points after $2K spend in 3 months (Expired 7/24/25) FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit.
AAdvantage Aviator Red World Elite MasterCard ⓘ $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 Learn more 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]
Air France KLM World Elite Mastercard ⓘ $538 1st Yr Value EstimateClick to learn about first year value estimates 50K miles + 60XP 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 $2K in the first 90 days + 60 XP upon approval $89 Annual Fee Learn more 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
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays ⓘ $507 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 $3K spend in 90 days + payment of the annual fee $89 Annual Fee Learn more 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
The Hawaiian Airlines® Business MasterCard® issued by Barclays ⓘ $479 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 Learn more 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
Barclays JetBlue Premier Mastercard ⓘ $451 1st Yr Value EstimateClick to learn about first year value estimates 80K Points + 5 tiles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K points + 5 tiles after $5K in spend in 90 days and payment of annual fee. $499 Annual Fee Learn more 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 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.
U.S. Bank Business Altitude Power World Elite Mastercard ⓘ $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 Learn more 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.
Wells Fargo Signify Business Cash℠ Card ⓘ $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 Learn more 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.
Citi Strata℠ Card ⓘ $434 1st Yr Value EstimateClick to learn about first year value estimates 30K Points Non-AffiliateThis is NOT an affiliate offer. 30,000 points after $1,000 spend in 3 months No Annual Fee Learn more 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 bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Strata Premier and/or Citi Double Cash.
Capital One VentureOne Rewards Credit Card ⓘ $422 1st Yr Value Estimate$100 travel credit valued at $88, $50 statement credit valued at $50 Click to learn about first year value estimates 20K miles + $50 statement credit + $100 travel credit ⓘ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, a $50 statement credit after making the minimum payment for 3 months, and a $100 credit for travel booked through Capital One within first cardholder year. No Annual Fee Learn more 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.
Business Advantage Unlimited Cash Rewards credit 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 days No Annual Fee Learn more 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.
HSBC Premier World Mastercard® credit card ⓘ $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 Learn more 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.
Amtrak Guest Rewards® Preferred Mastercard® ⓘ $402 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 $2K spend in the first 3 billing cycles $99 Annual Fee Learn more 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
Frontier Airlines World MasterCard® ⓘ $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 Learn more 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.
Capital One Quicksilver Cash Rewards Credit Card ⓘ $330 1st Yr Value Estimate$100 travel credit valued at $88, $50 statement credit valued at $50 Click to learn about first year value estimates $200 Cash Back + $50 Statement Credit + $100 Travel Credit ⓘ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 $200 after $500 spend in 3 months from account opening, a $50 statement credit after making the minimum payment for 3 months, and a $100 credit for travel booked through Capital One within first cardholder year. No Annual Fee Learn more 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.
Capital One Savor Cash Rewards Credit Card ⓘ $328 1st Yr Value Estimate$100 travel credit valued at $88, $50 statement credit valued at $50 Click to learn about first year value estimates $200 Cash Back + $50 Statement Credit + $100 Travel Credit ⓘ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 $200 after $500 spend in 3 months from account opening, a $50 statement credit after making the minimum payment for 3 months, and a $100 credit for travel booked through Capital One within first cardholder year. No Annual Fee Learn more 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.
Citi® / AAdvantage® Executive World Elite Mastercard® ⓘ $328 1st Yr Value EstimateClick to learn about first year value estimates 75K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles after $7,500 spend in first 3 months $595 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K after $10K spend in 3 month (Expired 7/31/25) 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.
Emirates Skywards Rewards World Elite Mastercard ⓘ $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 Learn more 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.
Amtrak Guest Rewards Platinum Mastercard ⓘ $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 cycles No Annual Fee Learn more 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.
Citi Double Cash® Card ⓘ $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 Learn more 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
Chase Freedom Flex ⓘ $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 months No Annual Fee Learn more 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.
AT&T Points Plus Card ⓘ $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 Months No Annual Fee Learn more 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
Carnival® World Mastercard® ⓘ $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 Learn more 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.
Citi Custom Cash® Card ⓘ $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 months No Annual Fee Learn more 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.
Cathay Pacific Visa Signature card ⓘ $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 Learn more 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
Wells Fargo One Key™ Mastercard ⓘ $253 1st Yr Value EstimateClick to learn about first year value estimates $300 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $300 OneKeyCash after $1K spend in first 3 months No Annual Fee Learn more 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: $400 OneKey Cash after $1000 spend in first 3 months (expired 8/5/25) 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
BOA Business Advantage Travel Rewards World Mastercard ⓘ $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 days No Annual Fee Learn more 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.
Emirates Skywards Premium World Elite Mastercard ⓘ $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 Learn more 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.
Wells Fargo Choice Privileges Mastercard ⓘ $244 1st Yr Value EstimateClick to learn about first year value estimates 40K Points Non-AffiliateThis is NOT an affiliate offer. 40K after $1K spend in first 3 months No Annual Fee Learn more 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. Recent better offer: 60K after $1K spend in first 3 months (expired 9/11/25) FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status
Business Advantage Customized Cash Rewards credit card ⓘ $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 days No Annual Fee Learn more 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.
Wells Fargo Choice Privileges Mastercard Select ⓘ $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 Learn more 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.
Wells Fargo One Key+™ Mastercard ⓘ $222 1st Yr Value EstimateClick to learn about first year value estimates $400 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $400 OneKeyCash after $3K spend in first 3 months $99 Annual Fee Learn more 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: $400 OneKey Cash after $3000 spend in first 3 months (expired 8/5/25) 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.
Brex Cash ⓘ $208 1st Yr Value Estimate$250 Amazon gift card valued at $225 Click to learn about first year value estimates $250 Amazon gift card ⓘ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 $250 Amazon gift card after spending $1,000 on your monthly card No Annual Fee Learn more 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.
BOA Platinum Plus Business Mastercard ⓘ $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 days No Annual Fee Learn more 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.
American Airlines AAdvantage® MileUp® 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 months No Annual Fee Learn more 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
Evergreen® by FNBO Credit Card ⓘ $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 months No Annual Fee Learn more 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.
AARP® Travel Rewards Mastercard® ⓘ $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 days No Annual Fee Learn more 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.
Norwegian Cruise Line® World Mastercard® ⓘ $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 days No Annual Fee Learn more 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.
Allegiant World Mastercard® Credit Card ⓘ $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 Learn more 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.
First Tech Choice Rewards World Mastercard® ⓘ $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 days No Annual Fee Learn more 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.
JetBlue Card ⓘ $112 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 90 days. No Annual Fee Learn more 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.
Free Spirit Travel Mastercard ⓘ $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 days No Annual Fee Learn more 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.
Upromise World MasterCard® issued by Barclays ⓘ $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 days No Annual Fee Learn more 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.
AARP® Essential Rewards Mastercard® ⓘ $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 days No Annual Fee Learn more 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.
Wells Fargo Attune World Elite Mastercard® ⓘ $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 Learn more 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.
LATAM Airlines World Elite Mastercard ⓘ $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 Learn more 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.
LATAM Airlines Mastercard ⓘ $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 months No Annual Fee Learn more 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.
MGM Rewards World Elite Mastercard® ⓘ $58 1st Yr Value EstimateClick to learn about first year value estimates 10K points + 15K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points + 15,000 Tier Credits after $2K spend in the first 3 billing cycles (Offer Expires 9/15/2025) No Annual Fee Learn more 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.
Capital One Quicksilver Rewards for Students Credit Card ⓘ $48 1st Yr Value EstimateClick to learn about first year value estimates $50 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: $50 after $100 spend in 3 months from account opening. No Annual Fee Learn more 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.
MGM Rewards Iconic World Elite Mastercard® ⓘ $46 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click to learn about first year value estimates 30K points + 15K Tier Credits + $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 + 15,000 Tier Credits after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. (Offer Expires 9/15/2025) $249 Annual Fee Learn more 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.
Instacart Mastercard® ⓘ $45 1st Yr Value Estimate$50 Instacart credit valued at $45 Click to learn about first year value estimates $50 Instacart credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $50 Instacart credit upon approval No Annual Fee Learn more 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: Not much to see here for all but the most ardent Instacart fans
Sams Club Mastercard ⓘ $29 1st Yr Value EstimateClick to learn about first year value estimates $30 Statement Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $30 statement credit after $30 in eligible Sam's Club purchases within 30 days. No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Good cash back categories can make this a winner for Sam's Club members.
Sams Club Business Mastercard ⓘ $29 1st Yr Value EstimateClick to learn about first year value estimates $30 Statement Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $30 statement credit after $30 in eligible Sam's Club purchases within 30 days. No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Good cash back categories can make this a winner for Sam's Club members.
HSBC Elite Credit Card ⓘ $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 Learn more 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.
DoorDash Rewards Mastercard® ⓘ $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 approval No Annual Fee Learn more 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.
Citizens Summit™ World Mastercard® ⓘ $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 doesn't currently offer a welcome bonus No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Might be worth a look for heavy grocery/dining spenders looking for cashback.
Getaway by FNBO® Credit Card ⓘ $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 Learn more 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.
Huntington Voice ⓘ $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 Learn more 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.
Nibbles Mastercard ⓘ $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 currently no welcome offer No Annual Fee Learn more FM Mini Review: The pet insurance benefit could make it a useful sock drawer card for cat and dog owners.
SoFi Credit 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 offer No Annual Fee Learn more 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.
Paypal Cashback Mastercard ⓘ $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 Offer No Annual Fee Learn more 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.
Synchrony Premier World Mastercard ⓘ $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 Welcome Offer No Annual Fee Learn more 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 2% cash back card with no annual fee.
Bilt Mastercard ⓘ $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 Learn more 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).
Santander® Ultimate Cash Back® credit card ⓘ $-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 purchases No Annual Fee Learn more 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.
Capital One SavorOne Cash Rewards Credit Card ⓘ $-39 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 None $39 Annual Fee Learn more 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.
Citizens Summit Reserve™ World Elite Mastercard® ⓘ $-295 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 doesn't currently offer a welcome bonus $295 Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Might be worth a look for heavy grocery/dining spenders looking for cashback.

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.

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