We’re experimenting with a new, more dynamic format for our Best Offers page. We’d love to hear your impressions. Check it out below…
Take me to the Card Exploration Tool
Our current Best Offers page shows all the the best public offers for nearly any rewards credit card you could possibly think of. (And unlike a lot of other websites, we only use our affiliate links when it’s the best publicly available offer for you.) This new version is exactly the same in that way, but with a different approach to filtering and sorting.
How the current Best Offers page is organized:
Currently, the original Best Offers page has different lists you can click to with cards organized by bank (and furthermore, by rewards type within each bank, grouping bank points, airline miles, and hotel points together). Each list is sorted by our estimated first year value for each card, with the most valuable listed first. Then we’ve also linked to resources for Best Category Bonuses, Best Rewards for Everyday Spend, and Best Big Spend Bonuses.
How this new version is organized:
This new version offers dynamic filtering and sorting options instead of separate lists, allowing you to sort by card name, first year value, annual fee, minimum spend requirement, or base earning rate. You can also then filter by bank, card type (business or personal), and even filter within a specific range of minimum spend requirement or annual fee.
Let us know what you think!
Jump To Credit Card Application Tips For:
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo
American Express, Bank Of America, Barclays, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells Fargo
Best Offers Credit Card Exploration Tool
On mobile, click “Filter Options” to expand.
Filter Options
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | Welcome Bonus Minimum Spend | Bank | Consumer or Business Card | Base Earning Rate | Card Offer and Details |
|---|---|---|---|---|---|---|---|
| $395 | 9991985 | Capital One Venture X Business Card | 30000 | Capital One | Business | 0.02900 | ![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />) ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates Up to 350K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a one-time bonus of 150K miles after $30K spend in the first 3 months and an additional 200,000 miles once you spend $200,000 in the first 6 months. (Rates & Fees)$395 Annual Fee Alternate Offer: There's a 150K + 250K (i.e. 400K total) offer available via a Capital One Private Banker Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One's travel booking site ✦ 5x on flights and vacation rentals booked via Capital One's travel booking site. ✦ 2X everywhere else. Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One's travel booking site ✦ 10,000 bonus miles starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge Access ✦ Priority Pass ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
American Express Application Tips
Note: American Express is a Frequent Miler advertiser
- Safe to Apply: Amex is usually the safest bank for trying your luck at earning a new welcome offer. Most of the time, they won’t issue a hard pull when denying your application or when approving you if you already have at least one Amex card. Plus, they’ll warn you during the application process if you’re not eligible for the bonus.
- Once in a Lifetime Rule: If you've ever had a card before, you are most likely prohibited from earning a welcome offer for that same card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 5-7 years. Note that there are frequently offers with no lifetime language (NLL) that aren't bound by this restriction.
- "Family" Rules: In addition to the "once in a lifetime" rule, Amex now applies additional "family" rules to several groups of consumer cards. These rules don't apply to business cards.
- Platinum/Gold/Green: You may not be able to get a welcome offer on the Green, Gold, Platinum, Charles Schwab Platinum or Morgan Stanley Platinum if you've previously had any of the Platinum cards previously.
- Cash back cards: You may not be able to get a welcome offer on the Blue Cash Everyday card if you've previously had the Cash Magnet, Blue Cash Preferred or Morgan Stanley Blue Cash Preferred cards. You're not eligible for a welcome offer on the Blue Cash Preferred card if you've previously had the Morgan Stanley Blue Cash Preferred card.
- Delta cards: You can get a welcome offer on any of the Delta cards provided you've never had a more expensive Delta card than the one you are applying for. So, for example, you're eligible for a welcome offer on the Delta Reserve if you've had the Delta Gold, but you may not be eligible for a welcome offer on the Delta Gold if you've previously had the Reserve.
- 1 per 5 days: You can get at most one credit cards within every 5 days. This rule does not apply to Pay Over Time (charge) cards.
- 2 per 90 days: You can get at most two credit cards within 90 days. This rule usually does not apply to Pay Over Time (charge) cards.
- 1 of same product per 90 days: Amex will only approve you for the same card once every 90 days; this primarily comes into play when applying for "no-lifetime-language" (NLL) links.
- It seems that Amex considers the Marriott Bevy and Brilliant cards as the same product, which means that you would have to wait 90 days after applying for the Bevy before being able to be approved for the Brilliant.
- Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
- Card Limits: Amex normally only allows customers to have five credit cards and ten Pay Over Time (charge) cards at one time. Both personal and business cards count towards the respective five and ten card limits. There are some instances where certain customers have been allowed to go above those limits.
- Application Status: Call (877) 239-3491 to check your application status or use this link.
- Reconsideration: If denied, you can call (800) 567-1083 and ask for your application to be reconsidered.
Bank of America Application Tips
- 2/3/4 Rule: You can open a maximum of 2 Bank of America cards every two months, three cards every 12 months and 4 cards every 24 months.
- 3/12 or 7/12 Rule: Similar to Chase's 5/24 rule, you won't be approved for a card if you have opened 3 or more accounts, with any bank, within the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7 accounts in the past 12 months. Enforcement seems to vary.
- 24 Month Rule: With some BOA cards, you may have to wait 24 months after either opening or cancelling a card to be eligible for approval on that same card. This language varies from card to card and sometimes, applicant to applicant. Some business cards have language stating that you may be declined for additional credit card accounts if your business currently has, or has had, another business card with BOA in the preceding 24 months. Again, enforcement seems to vary.
- Velocity Limits: BOA will approve a maximum of two consumer cards per rolling 2 months, three per rolling 12 months, and four per rolling 24 months.
- Application Status: Call (866) 422-8089 to check your application status or use this link.
- Reconsideration: If denied, call (800) 732-9194 for reconsideration.
Barclays Application Tips
- 6/24 Rule: Similar to Chase, Barclays has a rule that you may not be approved for a new card if you have opened 6 or more cards (with any bank) within the past 24 months. However, this rule is inconsistently applied and there are data points of people being approved despite being over 6/24.
- 24 Month Rule: Barclays also has a rule that you can only get a welcome offer on a card for a second time if it's been more than 24 months since you last received a welcome offer on the same card. Like the 6/24 rule, this seems to be inconsistently applied and some cards display the following language: “You may not be eligible for this offer if you currently have or previously had an account with us in this Program.”
- No Duplicate Cards: Barclays won't let you have two of the same card. In order to reapply, you'll need to cancel the card first. It's generally thought that you need to wait at least six months after cancelling before attempting to reapply.
- Velocity Limits: It's generally thought that Barclays will usually only approve you for a new personal card every 6 months. However, there are examples of people being able to move faster.
- Card Limits: Barclays doesn't have a strict limit on the amount of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. It's also thought that the bank will use your spending on other Barclays cards as one of its approval considerations.
- Application Status: Call (888) 232-0780 to check your application status or use this link for personal cards and this link for business cards.
- Reconsideration: If denied, call (866) 408-4064 and ask for your application to be reconsidered.
Capital One Application Tips
- 48 Month Rule: Existing or previous cardholders are not eligible for the same personal card if they have received a new cardmember bonus for the same product within the last 48 months. This doesn't apply to business cards.
- 2 card limit no more? Conventional wisdom and user experience used to be that you can have at most 2 Capital One cards. However, there are now frequent data points of some people having many more.
- 1 Charge Card Limit: Capital One only allows cardholders to be have one business charge card, so it's not possible to be the primary cardholders on both the Venture X Business and Spark Cash Plus. This doesn't apply to authorized users.
- Hard inquiries often get issued through all 3 credit bureaus.
- Velocity Limits? It used to be thought that Capital One will only approve you for one card every six months. While this is still many people's experience, we've now frequently seen data points of approvals for a second card within that timeframe.
- Application Status: Call (800) 903-9177 to check your application status.
- Reconsideration: If denied, call (800) 625-7866 for reconsideration.
Chase Application Tips
Citi Application Tips
- 48 Month Rule: With most Citi cards, you can only receive a welcome offer every 48 months. This applies to the same exact card, not families of cards and is counted from the date that you receive the welcome offer, not from when you're approved.
- Velocity Limits: Citi allows a maximum of one card per 8 days and a maximum of two cards per 65 days (includes both business and personal).
- Inquiries: Citi is thought to be more credit inquiry-sensitive than other issuers. We've heard reports that it's difficult to be approved for a new Citi card if you've had more than 6 hard inquiries within the last 6 months. That said, data points abound of people being approved despite being above that, so it's certainly not a hard and fast rule.
- Card Limits: Citi doesn't have a strict limit on the amount of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. Unfortunately, unlike most banks, Citi does not allow you to move credit from one existing card to the another card.
- Application Status: Call (866) 606-2787 or go here to check your application status. For Costco cards, call (877) 343-4118.
- Reconsideration: If denied, call (800) 695-5171 for personal cards or (866) 541-7657 for business cards.
Discover Application Tips
- 12 month rule: You must wait just over 12 months after your first card was opened before applying for a second Discover card.
- 2 card limit: You can have a maximum of 2 Discover cards.
- Application Status: Call (800) 347-2683 to check your application status or use this link.
- Reconsideration: If denied, call (888) 676-3695 and ask for your application to be reconsidered.
US Bank Application Tips
- Welcome Offers: It's been reported that you can't get a welcome offer on a card if you have that exact card open at the time of application. Business cards don't seem to be affected.
- 5/12 Rule: Some have reported that US Bank won't approve you for a new card if you've opened 5 or more cards within the last twelve months. Again, business cards appear to be unaffected.
- Velocity Limits: None that we know of. US Bank does limit the total amount of credit that they will extend you, so asking to reallocate credit lines may help in reconsideration.
- Application Status: Call (800) 947-1444 and press "1."
- Reconsideration: If denied, call (800) 947-1444 for reconsideration.
Wells Fargo Application Tips
- 1/6 Rule: Officially, Wells Fargo states that it may not approve you for a new credit card if you've opened one with the bank within the last six months. In practice, both seem inconsistently applied, especially for those with a Wells Fargo bank account. Business and consumer cards operate on separate tracks regarding those velocity limits.
- 5/24 Rule: It appears that Wells Fargo has now instituted a 5/24 rule that's very similar to Chase: if you have opened more that 5 new personal credit cards with any bank within the last 24 months you won't be approved for a new WF card. Like Chase, business cards don't seem to count but, unlike Chase, authorized users do and can't be removed via reconsideration. There do seem to be folks above 5/24 that are approved for new Wells Fargo cards, so it doesn't see ironclad (again, like Chase).
- Velocity Limits: Wells will allow you to earn a welcome offer on the same card every 48 months, with one exception: you can earn the welcome bonus on Choice Privileges cards every 15 months.
- Card Limits: Wells Fargo doesn't have a limit on the amount of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. Because of this, reconsideration can sometimes be successful by moving credit from one existing card to the new card that you want.
- Application Status: Call (800) 967-9521 to check your application status
- Reconsideration: If denied, call (800) 967-9521 and ask for your application to be reconsidered.
Denied?
If your application is denied, it is often worth calling the bank to talk to an analyst. They may be able to approve you on the spot after asking a few questions.
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Slightly off topic, but may I suggest that you add a link on the home page to the Best Card to Use page. I think that’s one of FM’s most useful resources and prompts readers to apply for cards, but is not easy to find. I also think that a few more categories, where many people spend on a regular basis, would be helpful. I’m thinking utilities, insurance and pharmacies. Keep up the great work!
I like it! Like the idea of a page with filters and do see this a nice improvement. I don’t do business cards and filtering them out is great.
Working on Safari on my iPhone- when I navigate to the 2nd page of 10 items, it leaves me at the bottom of the 20 – it should bring me to item 11.
I would also recommend you default to 100 items per page, not 10.
I think Bank of America deserves its own spot in the dropdown for Bank filter.
Fun! +1 to making banks a multi-option checkbox versus dropdown–it would be good to be able to select everything but Chase, for example, if you’re over 5/24.
ok, the table is fixed, thanks.
The filtering isn’t working. I typed Marriott in the filter box and nothing changes, hit enter and nothing changes. Is there supposed to be an apply button?
BTW, this was using MacOS with Safari
I meant the search box. Shouldn’t I be able to just use the search box without changing any other settings? It applied the search filter when I changed the sort order to something else.
Case shouldn’t matter in the search filter box. MARRIOTT doesn’t work, but Marriott works. please use a case-less match.
Add a button that changes the display to 1 entry only and shows a random credit card, just because you can.
Minor comment, but an easy fix I would think…
The arrows allowing changes to the Welcome Bonus Minimum Spend values don’t provide functional utility at 1 dollar per click. Eliminate or change to $1000 increments or a drop-down menu of the common SUB values.
Edit: Larry in NYC’s idea of a slider is a good alternative, too.
Pretty slick…but I would expect no less from the FM team; kudos!
Very cool! I think it would be valuable to be able to filter the best offers by the type of rewards: Transferable points, airline miles, hotel points, and cash. Also think it would be nice to be able to sort offers by Best Bang for Your Buck (1st year value/minimum spend requirement).
Ha! I refer to this kind of UI (filters on the right, results displayed as cards on the left) as a “Kayak UI”. I’m working on one right now (for a client completely unrelated to travel or credit cards).
Initial thoughts:
I assume there’s some sort order applied to the initial display, that sort order should be reflected in the Sort box rather than saying “Order By”.
The Bank selector should work like the Kayak airline selector, displaying all the banks (possibly with the smaller ones initially hidden behind a “more. . .” link), Select All and Clear All at the top of the list, and “only” links next to each bank.
Anything with Min/Max inputs should have a double-ended range slider like the ones for departure times or flight lengths on Kayak.This could be in place of or in addition to the Min/Max inputs.
Add a filter for the number of months you have to complete the spend.
Create a synthetic metric like “leverage” or “first year return on spend” that divides first year value by minimum spend. Maybe expressed like a batting percentage (like .250 for a card with $4,000 spend that returns $1,000 in the first year).
The cards in the results should initially be smaller (shorter) with a drop-down chevron or “Details” link to “open” them up to see all the details. The initial view should include everything above the Learn More button and maybe one additional section from below the button. Opening the card would show everything you have now.
Add a filter called Benefits with check boxes for Priority Pass, Primary CDW Coverage, Secondary CDW Coverage, Phone Insurance, etc. (Obviously a bigger task here since I assume you’re not currently recording that information in a machine-processable format).
This is great work, by the way.
I had a lot of trouble getting the comment above to appear in a list format. I think it saved correctly the first time (as a numbered list), but then I edited to add an additional item and, after that, while editing it would render a list but as soon as I saved it, it removed the list markup and stored the entire list as one giant paragraph.
And now I see it removed my bullet markup as well (but at least kept separate paragraphs since I left extra breaks when writing the ul markup.
I’ll edit again for better spacing and no list markup.
Nope, I seem to have run out of edits on the original comment (or run out the edit clock). Anyway, it’s mostly readable now.
Great tool. The text search appears to be case specific like spark vs Spark or lingus vs Lingus.
Please please make the Bank list multi-selectable, to hide offers from the banks that are mean to me.
+1
Great idea and start with the Card Exploration Tool! Could a filter be added for payment network?
For Bank Of America, the velocity limit seems to be the same as the 2/3/4 rule but applied only to consumer cards. Does the 2/3/4 rope in business cards? Is there a practical difference between the rules? Thanks.
Under sort drop down I would put First Year Value at top as that is the big draw. I would drop A-Z to bottom, that’s just boring.
Just seeing code using macOS 15.5 safari 18.5 and chrome.
This is all I see, followed by Amex Application tips. There’s no table.
Filter Options
, [ 1, “desc”, “First Year Value (highest to lowest)” ], [ 0, “asc”, “Annual Fee (lowest to highest)” ], [ 3, “asc”, “Minimum Spend (lowest to highest)” ], [ 6, “desc”, “Base Earning Rate (highest to lowest)” ]]}},{“column”:5,”type”:”select”,”config”:{“selectData”:[“Amex”,”Barclays”,”Capital One”,”Chase”,”Citi”,”Discover”,”US Bank”,”Wells Fargo”,”Other”]}},{“column”:6,”type”:”checkbox”},{“column”:1,”type”:”range”,”config”:{“reset”:true}},{“column”:4,”type”:”range”,”config”:{“reset”:true}}]’ show_columns=B,C,D,E,F,G,H,U datatables_advanced_loading=true datatables_advanced_loading_html_rows=1 datatables_custom_commands=’columnDefs:[{visible:false,targets:[0,1,2,3,4,5,6]}]’ /]
Fixed!