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

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

Overview

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
60k miles after 1st purchase and paying the annual fee within 90 days
$99 Annual Fee
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]
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend.
Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles
65K miles after one purchase in first 90 days by entering any 6 digit code (such as 123456)
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Grocery: 2X (1.5%)
Brand: 3X (2.25%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Noteworthy perks: Two free checked bags when flight is booked through Hawaiian Airlines ✦ One time 50% off companion ticket ✦ $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary
50K miles and $100 flight voucher after $500 spend in 90 days
$89 Annual Fee
Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants
Base: 1X (0.95%)
Dine: 3X (2.85%)
Brand: 5X (4.75%)
Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: $100 discount voucher after $2,500 in annual spend.
Noteworthy perks: ✦ Keep miles from expiring with one purchase every six months. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card.
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.
No Annual Fee
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.
Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24)
FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else
Base: 1.5X (2.25%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 5X (7.5%)
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities)
Base: 1X (1.5%)
Dine: 3X (4.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+
5% Cashback ⓘ Non-Affiliate
5% cashback for 6 months or $6K in spend
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 3% dining ✦ 2% grocery stores
Base: 1%
Dine: 3%
Grocery: 2%
Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees.
20K miles ⓘ Affiliate
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)
No Annual Fee
FM Mini Review: Decent welcome bonus for a card with no annual fee, but other cards offer better rewards for ongoing spend. Click here for our complete card review
Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 1.25X (1.81%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points
25K points after first purchase in 90 days
No Annual Fee
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.
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Base: 1X (1%)
Brand: 2X (2%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
Up to $200 in statement credits ⓘ Non-Affiliate
$100 credit with 5G phone offer and $100 statement credit after first purchase
within 90 days of account opening.
No Annual Fee
Earning rate: Earn Verizon Dollars: 4% grocery & gas ✦ 3% dining ✦ 2% Verizon (including monthly wireless bill) ✦ 1% everywhere else
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 4X (4%)
Brand: 2X (2%)
Card Info: Visa Signature issued by Synchrony. This card has no foreign currency conversion fees.
Noteworthy perks: $10 per month savings per line (up to 10 lines) by using card for Autopay ✦ No foreign transaction fees.
$200 Cash Back ⓘ Non-Affiliate
$200 after $500 spend in the first 3 months
No Annual Fee
FM Mini Review: This card offers a competitive flat 2% back on purchases and includes good cell phone insurance for a fee-free card (up to $600 in protection with just a $25 deductible).
Base: 2X (2%)
Card Info: Visa issued by Wells. This card imposes foreign transaction fees.
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
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 Uber or Spotify.
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Travel: 5%
Other: 5%
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees ✦ Up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else
Base: 1%
Travel: 5%
Dine: 3%
Grocery: 3%
Other: 3%
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: Complimentary Uber One membership statement credits through 11/14/2024 ✦ No foreign transaction fees
10K miles + $50 ⓘ Non-Affiliate
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
Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees.
Noteworthy perks: Save 25% on inflight food and beverage purchases
$50 + First Year Double + $20/year ⓘ Friend-Referral
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
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: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Card Info: Discover issued by Discover. This card has no foreign currency conversion fees.
Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
$125 Amazon Gift Card ⓘ Affiliate
Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)
No Annual Fee
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
10K after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X Spirit
Base: 1X (1.2%)
Brand: 2X (2.4%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: ✦ 5K bonus miles each anniversary when you spend $10K within prior year
Noteworthy perks: Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding
$100 Back + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a great choice for its rotating 5% categories
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Card Info: Discover issued by Discover. This card has no foreign currency conversion fees.
Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
$100 + First Year Double ⓘ Friend-Referral
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
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 to get for its first year 3% cash back.
Earning rate: 1.5 miles per dollar for all spend.
Base: 1.5%
Card Info: Discover issued by Discover. This card has no foreign currency conversion fees.
Noteworthy perks: ✦ No foreign transaction fees ✦ Redeem miles for travel or for cash back (1 cent per mile either way)
$100 Cash Back ⓘ Non-Affiliate
$100 statement credit after $500 spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus.
Earning rate: 1.5% everywhere
Base: 1.5%
Card Info: Mastercard issued by Comenity. This card imposes foreign transaction fees.
$100 Cash back ⓘ Non-Affiliate
$100 cash back after $500 spend in the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.
Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not ✦ Up to $250 cashback rewards per calendar year on gift card purchases at MyGiftCardsPlus
Base: 1.25%
Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees.
Noteworthy perks: When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 1.529% cash back (otherwise, you get 1.25% back)
Up to $100
Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.
No Annual Fee
FM Mini Review: Not as compelling as the Prime Visa Card and, if you buy enough Amazon items to be interested in it, you should probably be a Prime member anyway.
Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 3% back at Whole Foods ✦ 3% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
Card Info: Visa Credit Card issued by Chase. This card has no foreign currency conversion fees.
$100 Amazon Gift Card ⓘ Affiliate
$100 Amazon gift card upon approval. Terms apply.
No Annual Fee
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases.
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 2%
Card Info: Visa Credit Card issued by Chase. This card has no foreign currency conversion fees.
$100 Cash Back ⓘ Non-Affiliate
$100 after $500 spend in 3 months
No Annual Fee
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 2%
Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees.
$100 Cash Back ⓘ Non-Affiliate
$100 after $500 spend in 3 months
No Annual Fee
Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else
Base: 1%
Gas: 3%
Other: 3%
Card Info: Mastercard issued by Barclays. This card imposes foreign transaction fees.
No bonus at this time.
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else
Base: 1X (1.11%)
Travel: 3X (3.33%)
Dine: 3X (3.33%)
Card Info: Visa Infinite issued by CNB. This card has no foreign currency conversion fees.
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)
There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.
No Annual Fee
Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions.
FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no annual fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month).
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ✦ 3x Lyft ✦ 2x Travel ✦ 1x rent (one payment per month, up to 100,000 points per year) ✦ 1x on other purchases
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 3X (4.65%)
Other: 3X (4.65%)
Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees.
Noteworthy perks: Transfer points 1 to 1 to airline and hotel programs (including American Airlines, United, Hyatt, Aeroplan, and more) ✦ Redeem points for 1.25 cents each towards travel booked through Bilt's travel portal ✦ Cell phone insurance ✦ Primary rental car insurance ✦ Purchase protection ($10K/item, $50K/year) ✦ Travel insurance ✦ No transaction fee to pay rent and earn rewards
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent cash back card for everyday spend with no foreign transaction fee.
Earning rate: 3% cash back when you check out with PayPal ✦ 2% cash back everywhere else
Base: 2%
Brand: 3%
Card Info: Mastercard Signature issued by Synchrony. This card imposes foreign transaction fees.
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent cash back card for everyday spend.
Earning rate: 3% cash back when you check out with PayPal ✦ 2% cash back everywhere else
Base: 2%
Brand: 3%
Card Info: Mastercard Signature issued by Synchrony. This card imposes foreign transaction fees.
None
No Annual Fee
After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app.
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.
Earning rate: 3% on your eligible top spend category ✦ 2% on your second top category ✦ 1% everywhere else ✦ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment
Base: 1%
Card Info: Visa issued by Synchrony. This card has no foreign currency conversion fees.
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card 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.
Earning rate: 2X everywhere
Base: 2%
Card Info: Mastercard World Elite issued by SoFi. This card has no foreign currency conversion fees.
Noteworthy perks: 2% cash back on all purchases (3% for first year on up to $12k with direct deposit) ✦ no foreign transaction fees ✦ cell phone insurance
0% APR on balance transfers ⓘ Non-Affiliate
0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent cash back card in the three bonus categories, although the $8k annual limit in spending across those categories will be less exciting for many.
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined)
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 2X (2%)
Card Info: Visa issued by PNC. This card imposes foreign transaction fees.
Noteworthy perks: Cell phone protection
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
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.
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
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Card Info: Mastercard issued by Huntington. This card has no foreign currency conversion fees.
0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Although this is marketed as a travel card, it's really cashback, since the rewards can be used for travel, a statement credit or an ACH transfer at the same rate. 3% back on dining, travel and gas is pretty good for a no annual-fee card, especially with no foreign transaction fees.
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Card Info: Mastercard Credit Card issued by FNBO. This card has no foreign currency conversion fees.
No Welcome Bonus ⓘ Non-Affiliate
This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward a statement credi
Earning rate: 5% back at at every store at every Simon Mall, Mills, or Premium Outlet in the U.S. Use your card 5 times each statement period to earn Rewards. ✦ 1% back on all other purchases.
Base: 1%
Shop: 5%
Brand: 5%
Card Info: American Express issued by FEB. This card has no foreign currency conversion fees.

No Annual Fee
FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending.
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else
Base: 1X (1.4%)
Travel: 5X (7%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
Card Info: Mastercard World Elite issued by Emigrant. This card has no foreign currency conversion fees.
Noteworthy perks: Transfer points 1 to 1 to airline programs: Aeromexico, Air France Flying Blue, Avianca Lifemiles, Cathay Pacific Asia Miles, Emirates Skywards, JetBlue, Qantas, Singapore KrisFlyer ✦ $5K AWS credits ✦ Up to $100K AWS Activate credits ✦ Up to 50% off UPS shipments ✦ 25% off Slack for 12 months ✦ 20% Annual Zoom Subscription discount ✦ 50% Dropbox discount ✦ Up to $150 Google Ads credit ✦ 40% off first 12 months QuickBooks ✦ And many more discounts
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X everywhere
Base: 2%
Card Info: Visa Signature issued by Elan. This card has no foreign currency conversion fees.
Noteworthy perks: 2% cash back on all purchases

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back.
Earning rate: 1.8% back everywhere
Base: 1.8%
Dine: 1.8%
Gas: 1.8%
Other: 1.8%
Card Info: Mastercard World issued by Citizens. This card has no foreign currency conversion fees.
Noteworthy perks: 1.8% cash back on all purchases
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Earning rate: ✦ 4% gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Brand: 2%
Card Info: Visa Signature issued by Citi. This card has no foreign currency conversion fees.
No Welcome Bonus ⓘ Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Earning rate: ✦ 4% gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Card Info: Visa Signature issued by Citi. This card has no foreign currency conversion fees.
Noteworthy perks: No annual fee with paid Costco membership
0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
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 worth it for the welcome bonus and intro APR when offered, but since it offers no ongoing rewards it is a poor choice for ongoing spend.
Earning rate: This card does not earn ongoing rewards beyond the welcome bonus.
Base: 0%
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Get considered for a 2% APR reduction when you pay on time and spend at least $1K on card by next anniversary until APR reaches the Prime Rate plus 9.74% ✦ 3 months free Instacart+
This card no longer features a first-year bonus.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good cash back card for everyday spend as long as you do not spend more than $20K per billing cycle (at which point a 2% card would be better). Lack of foreign transaction fees is a positive.
Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back)
Base: 2.5%
Card Info: Visa Signature issued by Alliant. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees

Best Offers that require $1,000 Spend

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

Card Offer and Details
70K miles after $1K in spend in 90 days and payment of annual fee. Application requires a promo code. Any five digit number (like 00000) will work.
$99 Annual Fee
Recent better offer: Expired 9/22: 80K after $1K spend in 90 days
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.
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases
45K Points + $100 Voucher + $100 Statement Credit ⓘ Non-Affiliate
45K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days
$0 introductory annual fee for the first year, then $79
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else
Base: 1X (1.2%)
Dine: 2X (2.4%)
Grocery: 2X (2.4%)
Brand: 3X (3.6%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: ✦ $100 Companion Flight Voucher EACH anniversary after making at least $5,000 in purchases within the prior year Earn ✦ 1 SQP (towards elite status) for each $10 of spend
Noteworthy perks: Waived redemption fees ✦ Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding
60K points after $1K spend in 90 days plus 5K points for adding an authorized user
$0 introductory annual fee for the first year, then $75
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: Best for those who stay often at Sonesta hotels
Earning rate: 2X airfare, car rental and dining ✦ 3X Sonesta
Base: 1X (0.75%)
Travel: 2X (1.5%)
Brand: 3X (2.25%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
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)
30K miles after $1K spend in first 3 months
No Annual Fee
This card is 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.
Recent better offer: Expired 8/11/22: 30K after $1K spend
Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Noteworthy perks: Improved economy saver award availability (only when downgraded from a card with an annual fee) ✦ No foreign exchange fees ✦ 25% back on United in-flight and Club Premium drink purchases
12K points after $1K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere
Base: 1X (2.56%)
Dine: 2X (5.12%)
Brand: 2X (5.12%)
Card Info: Mastercard Platinum issued by FNBO. This card imposes foreign transaction fees.
Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions. ✦ 10% rebate for onboard food & beverage purchases as a statement credit
45K points after $1K spend in first 90 days
$75 Annual Fee
FM Mini Review: Not bad, but the business version is better.
Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 4X (3.52%)
Gas: 6X (5.28%)
Grocery: 4X (3.52%)
Brand: 6X (5.28%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees.
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
30K Points + $50 statement credit ⓘ Non-Affiliate
$50 statement credit after first purchase or balance transfer + 30K points after $1K spend in first 90 days
No Annual Fee
FM Mini Review: Sign up for the bonus. Keep for the 10% award discount.
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees.
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
30K points after $1K spend in 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Base: 1X (1%)
Brand: 2X (2%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
40K after $1K spend in first 3 months
No Annual Fee
FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 3X (2.04%)
Grocery: 3X (2.04%)
Phone: 3X (2.04%)
Brand: 5X (3.4%)
Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees.
Noteworthy perks: Automatic Gold status ✦ Cell phone Protection ($25 deductible, $800 max per claim)
25K points worth $250 ⓘ Non-Affiliate
25K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (3%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers
$300 Cash Back ⓘ Non-Affiliate
$300 statement credit after $1000 in purchases within first 3 months
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card 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.
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: ✦ Redeem rewards dollars toward a statement credit for air travel (book any airline / any destination and redeem rewards dollars at a minimum of $50 in rewards dollars) ✦ Character meet & greet at a private cardmember area ✦ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com ✦
30K points after $1K in the first 3 months. Terms apply.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23)
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
Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X travel ✦ 1X everywhere else
Base: 1X (0.8%)
Travel: 2X (1.6%)
Brand: 3X (2.4%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Noteworthy perks: Automatic Silver status ✦ 15 nights of elite credit each year
$200 back after $1K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 2% cashback everywhere is decent, but this card doesn't really have anything to separate it from any other 2% cashback card.
Earning rate: 2X everywhere
Base: 2X (2%)
Card Info: Mastercard Credit Card issued by FNBO. This card imposes foreign transaction fees.
$200 Cash Back ⓘ Non-Affiliate
$200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent low-spend welcome bonus on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal.
Earning rate: 2% everywhere
Base: 2%
Card Info: Visa issued by FNBO. This card imposes foreign transaction fees.
Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend
$200 cash bonus ⓘ Non-Affiliate
$200 cash rewards bonus after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Base: 1.5X (1.5%)
Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees.
Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers
$200 Cash Back as a statement credit ⓘ Non-Affiliate
$200 statement credit after $1K in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend.
Earning rate: 1.5% on all eligible purchases
Base: 1.5%
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account.
15K points after $1K spend in 90 days. Application requires a promo code. Any five digit number (like 00000) will work.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Not bad for a fee-free airline card.
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 3X (3.99%)
Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.
20K after $1,000 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (3%)
Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees.
Noteworthy perks: Cell phone protection ($25 deductible, $600 max per claim)
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Useful for its 5% categories, but you can do better for all other spend.
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
Base: 1%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees.
20K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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
Base: 1X (1%)
Dine: 4X (4%)
Gas: 2X (2%)
Grocery: 2X (2%)
Card Info: Visa issued by USB. This card has no foreign currency conversion fees.
Noteworthy perks: $15 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $15 credit)
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees
20K after $1K spend in the first 90 days
No Annual Fee
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.
Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel
Base: 1X (1%)
Travel: 2X (2%)
Brand: 3X (3%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3% back on your choice of the following: gas and EV chargng, online shopping, cable, streaming, internet & phone plans, 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
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees.
Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers
10K after $1K spend in 3 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.
Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases
Base: 1X (1.55%)
Grocery: 2X (3.1%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: ✦ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ✦ Points transferrable to many airline programs (unusual feature for no-fee card) ✦ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.24% to 24.24% ✦ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees
$150 Cash Back ⓘ Non-Affiliate
$150 in rewards (15K points) after $1000 in purchases in first 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent welcome bonus for very low spenders and nice ongoing 4x (effectively 4%) back on dining with no annual fee, but note that rewards expire 5 years from the end of the quarter in which they are earned and there is a $25 mininum redemption threshold.
Earning rate: 4x Dining, takeout, & delivery ✦ 2x grocery stores, grocery delivery, gas station, and streaming services ✦ 1x everywhere else
Base: 1%
Dine: 4%
Gas: 2%
Grocery: 2%
Card Info: Visa Signature issued by NBT. This card imposes foreign transaction fees.
15K after $1K spend in 3 months. Terms apply.
$95 Annual Fee
Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.
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 after $2K in first 3 months
FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.
Earning rate: ✦ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ✦ 2x points at US gas stations ✦ 1x points on other purchases.
Base: 1X (1.55%)
Gas: 2X (3.1%)
Grocery: 3X (4.65%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees
10K miles ⓘ Affiliate
10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)
No Annual Fee
Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days.
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.
Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)
$100 statement credit ⓘ Non-Affiliate
$100 statement credit after $1K Spend in 3 Months
No Annual Fee
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
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 oat grocery stores ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Gas: 3X (4.35%)
Grocery: 2X (2.9%)
Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees.
Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ (for AT&T Wireless customers omly)
10K points after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants.
Base: 1%
Dine: 2%
Gas: 2%
Brand: 5%
Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees.
15K after $1K in first 90 days
$59 Annual Fee
Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward airfare and do not expire unless you cancel the card. If you cancel the card, you forfeit all points. Between that policy and the annual fee, this card probably isn't worth it in most scenarios.
Earning rate: 3x Allegiant ✦ 2x dining
Base: 1X (1%)
Dine: 2X (2%)
Brand: 3X (3%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
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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