Best offers for low spenders (card offers with low spend requirements)

3

If you're wallet is empty you may be more interested in card offers with low spend requirements

While this might not be a good time to travel, it is a good time to earn rewards towards future travel.  The best way to earn points & miles quickly is through credit card welcome bonus offers.  If you meet the minimum spend requirements and pay your bill in full each and every month, then you can get far more value from the credit card than the credit card company will ever get from you.

One catch: most of the best offers have high spend requirements.  Requiring $5K spend in 3 months is common.  And some cards have tiered offers that require far more spend than that to get the maximum bonus.

What if you don’t spend that much on credit cards?  One option is to look for ways to increase credit card spend (and get most of it back).  For details about these techniques, see:

Another option is to only sign up for offers with low spend requirements.

Below you’ll find current offers with low spend requirements.  Offers are sorted by our formula for estimated first year value.  Of course, you should use your judgment.  A card may offer valuable Amtrak rewards, for example, but if you don’t plan to ride Amtrak it doesn’t make sense to sign up.

As a reminder, we always strive to show the best public offers even if it means that we will not earn any commission for those cards.

Best Offers that require $0 to $500 Spend

First 5 offers are shown. Press “Next” to see more.

Card Offer and Details
AAdvantage Aviator Red World Elite MasterCard
50K miles
50k miles after 1st purchase within 90 days and payment of the $99 AF

$99 Annual Fee

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

Alternate offer: There is an in-flight offer for 60K after first purchase with the 1st year fee waived. See this link; code 999999 may work for the promo code.

Recent better offer: None. This is the best we've seen.


Card Type: Mastercard World Elite

Base
Brand

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

Big spend bonus: Starting May 2019: Earn $99 + tax domestic companion certificate with $20K membership year spend.

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

Spirit Airlines World Mastercard®
30K miles + $100 statement credit
30K + $100: 15K after first purchase + 15K + $100 statement credit after $500 in purchases in first 3 months

No Annual Fee First Year, Then $59

FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity.


Card Type: Masrercard World

Big spend bonus: ⚬ 5K bonus miles when you spend $10K annually and pay your annual fee

Noteworthy perks: Zone 2 priority boarding

Avianca Vuela Visa Card

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Gas
Grocery
Brand

Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America

Big spend bonus: ⚬ 50% off one award ticket to Colombia or Central America after $12K spend ⚬ 50% off a 2nd award ticket to Colombia or Central America after $24K spend

Noteworthy perks: 15% discount on the purchase of miles

Frontier Airlines World MasterCard®

Card Type: Mastercard World

Base
Dine
Brand

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

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

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

Wells Fargo Cash Wise Visa® Card
$150 Cash Back
$150 after $500 spend in the first 3 months

No Annual Fee

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

Alternate offer: Some people are targeted (in their online Wells Fargo account or via snail mail) for 3% cash rewards for the first year up to $30,000 spent)

FM Mini Review: Not bad for a cash bonus with a low spend threshold and/or cell phone insurance, but this card is not very rewarding for ongoing spend.


Card Type: Visa

Base

Earning rate: 1.5% cash back everywhere in the form of Go Far Rewards ⚬ 1.8% back on Google Pay or Apple Pay purchases for the first 12 months

Capital One Venture One Credit Card
20K "miles"
Earn a bonus of 20K after $500 spend in 3 months from account opening

No Annual Fee

FM Mini Review: Decent welcome bonus for a fee-free card, but other cards offer better rewards for ongoing spend.


Card Type: Visa Signature or Platinum

Base
1.25X
(1.31%)
Other

Earning rate: 1.25X everywhere. Through 1/31/21: 5X Uber Eats.

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees

Capital One Quicksilver
$200 Cash Back
One time bonus: $200 after $500 spend in 3 months from account opening

No Annual Fee

FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.


Card Type: Mastercard

Base
1.5%

Earning rate: 1.5% everywhere

Noteworthy perks: No foreign transaction fees

Capital One Savor One
$200 Cash Back
One time bonus: $200 after $500 spend in 3 months from account opening

No Annual Fee


Card Type: Mastercard

Base
1%
Dine
3%
Grocery
2%
Other
3%

Earning rate: ⚬ 3% on dining & entertainment ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else ⚬ Through 1/31/21: 5% Uber Eats.

Noteworthy perks: No foreign transaction fees

Disney Visa Card

FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.


Card Type: Visa Signature or Platinum

Noteworthy perks: ⚬ Character meet & greet at a private cardmember area ⚬ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com

American Airlines AAdvantage MileUp Card
10K miles + $50
Earn 10K AA miles + $50 statement credit after $500 spend in 3 months

No Annual Fee

FM Mini Review: Not bad for grocery spend if you highly value AA miles


Card Type: Mastercard World Elite

Base
Grocery
Brand

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

Noteworthy perks: Save 25% on inflight food and beverage purchases

TD Cash Visa Credit Card

Card Type: Visa Signature

Base
1%
Dine
3%
Grocery
2%

Earning rate: ⚬ 3% dining ⚬ 2% grocery stores

U.S. Bank Cash+

FM Mini Review: Useful for its 5% categories, but you can do better for all other spend.


Card Type: Visa Signature

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

Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores

LATAM Visa Signature issued by US Bank

Card Type: Visa Signature

Base
Brand

Earning rate: 2X on spending with LAN & TAM

Noteworthy perks: ⚬ 4,000 Bonus Miles (6,437 kms) every year at renewal ⚬ 25% flight bonus when flying on LAN ⚬ 3 upgrade coupons each year on LAN ⚬ 20% off (up to $1,000) your first LATAM Airlines purchase one time per year

Delta SkyMiles® Blue Credit Card from American Express
10K miles
10K miles after $500 spend in the first 3 months. Terms apply. (Rates & Fees)

No Annual Fee

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


Card Type: Amex Credit Card

Base
Dine
Brand

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

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

Discover it® for Students
$50 + First Year Double + $20/year
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

No Annual Fee

FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.


Card Type: Discover

Base
Shop

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2020 Q4: 5% Amazon.com, Walmart.com, and Target.com

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Wyndham Rewards Visa issued by Barclays (no annual fee)

Card Type: Visa Signature or Platinum

Base
Gas
Grocery
Brand

Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else

Noteworthy perks: Gold status

Discover it Miles - Double Miles your first year
$100 + First Year Double
Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

No Annual Fee

FM Mini Review: Great card to get for its first year 3% cash back.


Card Type: Discover

Base
1.5%

Earning rate: 1.5 miles per dollar for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem miles for travel or for cash back (1 cent per mile either way)

See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer

Celebrity Cruises® Visa Signature® Credit Card

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


Card Type: Visa Signature

Base
Brand

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

AARP Credit Card from Chase

Card Type: Visa Signature or Platinum

Base
1%
Dine
3%
Gas
3%

Earning rate: 3% restaurants and gas stations.

CNB Crystal Visa Infinite Credit Card

FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).


Card Type: Visa Infinite

Base
Travel
Dine

Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else

Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend.

Noteworthy perks: ⚬ Up to $350 a year in statement credits for airline incidental fees (as of 1/1/20) ⚬ 12 Gogo In-Flight Wifi passes per card ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20)

See also: CNB Crystal Visa Infinite loses valuable perks as of Jan 1 2020

Asiana Airlines Visa Business Card

Card Type: Visa

Base
Brand

Earning rate: 2X Asiana

Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights.

Discover it®
$50 + First Year Double
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

No Annual Fee

FM Mini Review: This is a great choice for its rotating 5% categories


Card Type: Discover

Base
Shop

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2020 Q4: 5% Amazon.com, Walmart.com, and Target.com

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Marvel MasterCard from Synchrony

FM Mini Review: Good option if used only in 3% categories (e.g. dining and entertainment)


Card Type: Mastercard

Base
1%
Brand
3%
Other
3%

Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)

Noteworthy perks: 10% off and other discounts at Marvel.com

Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank

FM Mini Review: Incredible value for online purchases. Don't sign up for this card until you have first established a Membership Rewards Rakuten account.


Card Type: Visa

Base
1%
Brand
3%

Earning rate: 3% cash back on qualified purchases made through the Ebates portal ⚬ 1% cash back everywhere else.

See also: Ebates Visa with Membership Rewards. Everything you need to know.

Costco Anywhere Business Visa

Card Type: Visa Signature

Base
1%
Travel
3%
Dine
3%
Gas
4%
Brand
2%

Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else

Costco Anywhere Visa

Card Type: Visa Signature

Base
1%
Travel
3%
Dine
3%
Gas
4%

Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else

Citi Double Cash Card

Recent better offer: None

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.


Card Type: Mastercard World Elite

Base

Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase)

Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases

United Club℠ Infinite Card

FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and waived close-in award fees.


Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: ⚬ 4X United ⚬ 2X dining & travel

Noteworthy perks: ⚬ United Club membership ⚬ Priority check-in, security screening, baggage handling, and boarding ⚬ Free 1st and 2nd checked bags ⚬ Hertz President's Circle Elite Status ⚬ Primary auto rental collision damage waiver

Fidelity Rewards Visa
None
There is currently no welcome bonus offered.

No Annual Fee


Card Type: Visa Signature

Base
2%

Earning rate: 2X everywhere

Noteworthy perks: 2% cash back on all purchases

Citizens Bank Cash Back Plus® World Mastercard®
10% back on groceries, restaurants, and food delivery
10% back on groceries, restaurants, and food delivery (on up to $500 in purchases each month) until 5/5/21
(Offer Expires 12/31/2020)

No Annual Fee

FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back. However, if you're able to take advantage of 10% back on $500 per month in groceries, restaurant, and takeout it could certainly be worth it in the shoter-term.


Card Type: Mastercard World

Base
1.8%
Dine
10%
Grocery
10%

Earning rate: 10% back on groceries, restaurants, and takeout on up to $500 in purchases each month until 5/5/21

Noteworthy perks: 1.8% cash back on all purchases with a bonus 3.2% through 3/31/19 for those who open through in-branch offer as of 11/8/19)

Alliant Cashback Visa Signature Card

FM Mini Review: Good cash back card for everyday spend as long as your expenses do not exceed $10K per month. Lack of foreign transaction fees is a positive.


Card Type: Visa Signature

Base
2.5%

Earning rate: 2.5% cash back everywhere up to $250 back per billing cycle (Note that some purchases, like those from GiftCards.com, are not eligible for cash back)

Noteworthy perks: No foreign transaction fees

Huntington Voice

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.


Card Type: Mastercard

Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
3%
Shop
3%
Office
3%
Biz
3%
Other
3%

Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores

Discover it Business - Double cash back your first year

FM Mini Review: Great card to get for its first year 3% cash back.


Card Type: Discover

Base
1.5X
(1.5%)

Earning rate: 1.5% cash back for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem cash back in any amount

See also: New Discover Business card: effective 3% back first year

Best Offers that require $1,000 Spend

First 5 offers are shown. Press “Next” to see more.

Card Offer and Details
AAdvantage® AviatorTM Business MasterCard®
Up to 75K miles
Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

$95 Annual Fee

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

Recent better offer: Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date


Card Type: Mastercard

Base
Travel
Phone
Office

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

Big spend bonus: $99 companion certificate with $30K account year spend; $3K elite qualifying dollars (EQDs) with $25K calendar year spend

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

Amtrak Guest Rewards Platinum Mastercard

Card Type: Mastercard Platinum

Base
Brand

Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions.

See also: Amtrak Guest Rewards credit card review

Chase Southwest Airlines Rapid Rewards® Plus Card
40K Points
40K Points after $1K spend in the first 3 months

$69 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: Up to 75K points: 40K points after $1K spend in the first 3 months plus 35K after $5K spend in 6 months [Expired 2/10/20]

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year.

Noteworthy perks: 3000 bonus points each year upon card renewal.

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

No Annual Fee First Year, Then $75

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


Card Type: Mastercard World

Base
Travel
Brand

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

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

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

Chase Southwest Airlines Rapid Rewards Priority Credit Card
40K Points
40K Points after $1K spend in the first 3 months

$149 Annual Fee

Be sure to choose the card you want after clicking through the link. This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Up to 75K points: 40K points after $1K spend in the first 3 months plus 35K after $5K spend in 6 months [Expired 2/10/20]

FM Mini Review: Great for frequent Southwest flyers.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases up to $100K

Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies

Chase Southwest Airlines Rapid Rewards Premier Credit Card
40K Points
40K Points after $1K spend in the first 3 months

$99 Annual Fee

Be sure to choose the card you want after clicking through the link. This card is known to be subject to Chase's 5/24 rule.

Recent better offer: Up to 75K points: 40K points after $1K spend in the first 3 months plus 35K after $5K spend in 6 months [Expired 2/10/20]

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

Big spend bonus: If you earn 125,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year.

Noteworthy perks: 6000 bonus points each year upon card renewal.

Delta SkyMiles® Gold Credit Card from American Express
35K miles
35K miles after $1K spend in the first 3 months. Terms apply. (Rates & Fees)

No Annual Fee First Year, Then $99

FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Card Type: Amex Credit Card

Base
Dine
Grocery
Brand

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

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

Noteworthy perks: Priority boarding and first checked bag free. Terms and limitations apply. (Rates & Fees)

Amtrak Guest Rewards World Mastercard
20K points
20K after $1K spend in 3 months

$79 Annual Fee


Card Type: Mastercard World

Base
Travel
Brand

Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions ⚬ Complimentary companion coupon ⚬ One-Class Upgrade and a single-day ClubAcela pass each year.

See also: Amtrak Guest Rewards credit card review

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 70K miles
Up to 70K miles: 60K after $1K in the first 90 days + 10K after a purchase is made on an employee card

$99 Annual Fee

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

Recent better offer: 60K after $1K in the first 90 days + 10K after first purchase on an employee card [Expired 8/19]


Card Type: Mastercard World Elite

Base
Dine
Gas
Office
Brand

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

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

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

Choice Privileges® Visa Signature® Card issued by Barclays
50K points
50K after $1K spend in 90 days

No Annual Fee

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

Recent better offer: 64K points: 32K after $1K spend in 90 days + 32K after an additional $2K spend within the first 180 days


Card Type: Visa Signature

Base
Brand

Earning rate: ⚬ 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards ⚬ 2X everywhere else

Big spend bonus: Earn 8,000 annual bonus points after $10,000 in annual spend

Noteworthy perks: Automatic Gold status

Hilton Honors American Express Card
80K Points
80K after $1K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

Via some browsers you may find a targeted 95K offer with a refer-a-friend link. You can find our refer-a-friend link here (Note: this refer-a-friend link is not an affiliate link. Information about this link was collected independently by Frequent Miler)

Alternate offer: You may see a better offer that includes a $100 statement credit during the booking process at Hilton.com.

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


Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

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

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

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

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

Wells Fargo Propel American Express® Card

FM Mini Review: Combine points with the Wells Fargo Visa Signature to get 1.5 cents per point in value towards travel (or 1.75 cents per point if you spend $50K per year on the Visa Signature and combine your points).


Card Type: Amex Credit Card

Base
Travel
Dine
Gas
Other

Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services

Blue Cash Preferred® Card from American Express
$300 Back
Limited-time offer: $300 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)
(Offer Expires 12/10/2020)

No Annual Fee First Year, Then $95

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

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


Card Type: Amex Credit Card

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

Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ Terms apply.

Noteworthy perks: Terms Apply. (Rates & Fees)

Blue Cash Everyday® Card from American Express

Card Type: Amex Credit Card

Base
1%
Gas
2%
Grocery
3%
Shop
2%

Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply.

Noteworthy perks: Terms Apply. (Rates & Fees)

JetBlue Card

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


Card Type: Mastercard World

Base
Dine
Grocery
Brand

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

Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.

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

United Gateway Card
20K Miles + 3X Grocery
20K miles after $1K spend in first 3 months; Plus earn 3X at grocery stores, on up to $1,500 per month through 9/30/2021
(Offer Expires 11/30/2020)

No Annual Fee


Card Type: Visa Signature

Base
Gas
Brand
Other

Earning rate: 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting

Noteworthy perks: No foreign exchange fees ⚬ 25% back on United in-flight purchases

Bank of America Travel Rewards

Card Type: Visa Signature

Base
1.5X
(1.5%)
Travel

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

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

See also: Up to 2.625% back for timeshares, fortune tellers and more

U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
25K points
25K after $1K spend in 90 days

No Annual Fee

FM Mini Review: This card offers solid return on dining - including takeout & delivery - and no annual or foreign transaction fees. That makes it a great option for those who prefer cash back.


Card Type: Visa

Base
Dine
Gas
Grocery

Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ⚬ 2X grocery (including meal kit delivery), gas stations, and streaming services

Noteworthy perks: $15 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $15 credit)

Wyndham Rewards Earner Plus Card

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


Card Type: Visa Signature or Platinum

Base
Dine
Gas
Grocery
Brand

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

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

See also: Wyndham Earner credit cards review: Surprisingly strong

Citi Rewards+ Card
15K points
15K points after $1K spend in 3 months

No Annual Fee

FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash


Card Type: Mastercard World

Base
Gas
Grocery

Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases

Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ⚬ get 10% of your points back on the first 100K redeemed each year

See also: Citi ThankYou Rewards Complete Guide

Wyndham Rewards Earner Business Card

FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper.


Card Type: Visa Signature

Base
Gas
Phone
Biz
Brand
Other

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

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

See also: Wyndham Earner credit cards review: Surprisingly strong

Marriott Bonvoy Bold Credit Card

FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks


Card Type: Visa Signature

Base
Travel
Brand

Earning rate: ⚬ 3X Marriott Bonvoy ⚬ 2X travel ⚬ 1X everywhere else

Noteworthy perks: Automatic Silver status ⚬ 15 nights of elite credit each year

See also: Marriott Bonvoy Complete Guide

Citi® Expedia+ Credit Card

Card Type: Mastercard World

Base
Brand

Earning rate: 3X Expedia purchases

Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year

Noteworthy perks: Free Expedia+ Silver status

Wyndham Rewards Earner Card

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


Card Type: Visa Signature or Platinum

Base
Dine
Gas
Grocery
Brand

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

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

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

See also: Wyndham Earner credit cards review: Surprisingly strong

American Express Cash Magnet® Card

Card Type: Amex

Base
1.5%

Earning rate: 1.5% on all eligible purchases

Noteworthy perks: See rates & fees.

Avianca Vida Visa Card

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Brand

Earning rate: 2X Avianca

Noteworthy perks: 15% discount on the purchase of miles

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

No Annual Fee


Card Type: Visa Signature

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

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

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

Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card

Card Type: Mastercard World

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

Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.

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

Norwegian Cruise Line® World Mastercard®

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


Card Type: Mastercard World

Base
Travel
Brand

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

AAA Member Rewards Visa Signature Card

Card Type: Visa Signature

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

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

Noteworthy perks: No foreign transaction fees

The Morgan Stanley Credit Card from American Express

FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply.


Card Type: Amex Credit Card

Base
Travel
Dine
Shop

Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines

Big spend bonus: $100 after $25K card membership year spend

Noteworthy perks: Invest with rewards (1 point = 1 cent)

The Amex EveryDay® Credit Card from American Express
10K points
10K after $1K spend in 3 months. Terms apply.

No Annual Fee

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

Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.

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


Card Type: Amex Credit Card

Base
Grocery

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

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

AT&T Access Card

FM Mini Review: This card may be worth it for a welcome bonus, but it would be worth considering a product change to the Double Cash down the road..Unforunately, it seems it is no longer possible to product change to the AT&T Access More card.


Card Type: Mastercard World

Base
Travel
Shop
Brand

Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases

See also: Citi ThankYou Rewards Complete Guide

Hotels.com Rewards Visa Credit Card
$125 Reward Night
Get a reward night worth $125 when you spend $1,000 on purchases in the first 3 months. Excludes taxes and fees. If your reward night costs less than $125, you won't get the difference.

No Annual Fee

FM Mini Review: Most people would be better off with a fee-free 2% cash back card like the Citi Double Cash.


Card Type: Visa

Base
0.002X
(2.2%)

Earning rate: Collect 1 $110 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. Collect 10 stamps, get 1 reward night.

Noteworthy perks: Cell phone protection ($25 deductible, $600 max per claim) ⚬ No foreign transaction fees

Wyndham Rewards Visa issued by Barclays
30K points
30K: 15K after first purchase plus 15K after $1,000 spend in 90 days (note that you'll need to choose the annual fee card after clicking through)

$75 Annual Fee

FM Mini Review: This card is great for its signup bonus (when the 45K bonus is available). For some, the card is worth keeping for its 6,000 bonus points per year + status w/ Wyndham & Caesar's.


Card Type: Visa Signature or Platinum

Base
Gas
Grocery
Brand
Other

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

Noteworthy perks: 6,000 bonus points every account anniversary ⚬ Platinum status (matches to Caesar's Total Rewards Platinum)

Schwab Investor Card® from American Express

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


Card Type: Amex Credit Card

Base
1.5%

Earning rate: 1.5% on all eligible purchases

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

Allegiant World Mastercard® Credit Card

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


Card Type: Mastercard World

Base
Dine
Brand

Earning rate: 3x Allegiant ⚬ 2x dining

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

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