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

10

Republishing now that the best no-spend offer (American Airlines 60K miles) has the first year annual fee waived.

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

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

Card Type: Mastercard World Elite

Base
Brand

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

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

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.

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

Capital One VentureOne Rewards 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
(1.81%)
Other

Earning rate: 1.25X everywhere.

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at varying ratios: some partners are 1:1, others at a lower ratio ⚬ No foreign transaction fees

Disney Premier 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

Base
1%
Dine
2%
Gas
2%
Grocery
2%
Brand
2%

Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ⚬ 1X everywhere else

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

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 SavorOne Cash Rewards Credit Card
$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
3%
Other
3%

Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores ⚬ 1% everywhere else ⚬ 8% back at Vivid Seats (through January 2023)

Noteworthy perks: No foreign transaction fees

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

PRICELINE REWARDS VISA® CARD

FM Mini Review: This card could be decent for an easy cash back bonus or if you spend a lot at Priceline.com, but there are much more rewarding options for ongoing everyday spend.


Card Type: Visa

Base
1%
Brand
5%

Earning rate: Earn 5x on eligible Priceline.com purchases

Noteworthy perks: Get 10% points back when you redeem points for eligible Priceline.com or travel purchases of $25 or more

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

Base
1%

Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.

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

Upromise World MasterCard® issued by Barclays

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.


Card Type: Mastercard

Base
1.25%

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.

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)

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

TD Cash Visa Credit Card

Card Type: Visa Signature

Base
1%
Dine
3%
Grocery
2%

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

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
Dine
Shop

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2021 Q3: 5% Restaurants & PayPal

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

Amazon Business Prime American Express Card

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.


Card Type: Amex Credit Card

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

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

Free Spirit Travel Mastercard

Card Type: Masrercard World

Base
Brand

Earning rate: 2X Spirit

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

Delta SkyMiles® Blue Credit Card from American Express

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 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

Verizon Visa Card
$100 in Verizon credit
Up to $100 in credit applied over 24 monthly wireless bills

No Annual Fee


Card Type: Visa Signature

Base
Dine
Gas
Grocery
Brand

Earning rate: Earn Verizon Dollars: 4% grocery & gas ⚬ 3% dining ⚬ 2% Verizon (including monthly wireless bill) ⚬ 1% everywhere else

Noteworthy perks: $10 per month savings per line (up to 10 lines) by using card for Autopay ⚬ No foreign transaction fees.

AARP® Travel Rewards Mastercard®

Card Type: Mastercard

Base
1%
Travel
3%
Dine
2%

Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else

AARP® Essential Rewards Mastercard®

Card Type: Mastercard

Base
1%
Gas
3%
Other
3%

Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else

Chase Slate Edge
$100 Cash Back
Earn $100 statement credit after $500 in purchases in first 6 months

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.

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.


Card Type: Visa Signature or Platinum

Base

Earning rate: This card does not earn ongoing rewards beyond the welcome bonus.

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%.

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
Dine
Shop

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2021 Q3: 5% Restaurants & PayPal

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

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

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 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

Chase IHG® Rewards Club Traveler Credit Card

FM Mini Review: This would be a great companion card for anyone who still has the old $49 per year IHG card because the 4th night free from the card would stack with the 10% rebate with the other card.


Card Type: Mastercard World

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants

Big spend bonus: Gold status with $10K spend in a calendar year

Noteworthy perks: Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ No FX fees ⚬ IHG Gold status

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

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

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

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

Manchester United Credit Card
Earn Double Points
Earn double points in your first year, up to 100K bonus points

No Annual Fee

FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee.


Card Type: Mastercard

Base
1%
Dine
5%
Other
5%

Earning rate: 5x rideshare and streaming services ⚬ 5x bars and restaurants on match days ⚬ 1x everywhere else

Noteworthy perks: 10% off at the Manchester United Megastore, Red Cafe, and United Direct ⚬ $5 towards Peacock Premium after $500 monthly spend

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

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

Venmo Credit Card

Card Type: Visa

Base
1%

Earning rate: 3% on your eligible top spend category (6% through 12/31) ⚬ 2% on your second top category (4% through 12/31/21) ⚬ 1% everywhere else (2% through 12/31/21) ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment

Best Offers that require $1,000 Spend

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

Card Offer and Details
Barclays JetBlue Plus Mastercard
70K Miles
70K miles after $1K spend and payment of the annual fee in 90 days

$99 Annual Fee

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.


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

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

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

JetBlue Business Card
Up to 70K Miles
Up to 70K miles: 50K after $1K spend in 90 days plus 20K after $6K spend in the first 12 months

$99 Annual Fee

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.


Card Type: Mastercard

Base
Dine
Office
Brand

Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

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

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

Free Spirit Travel More Mastercard

Card Type: Masrercard World Elite

Base
Dine
Grocery
Brand

Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else

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

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)

Virgin Atlantic World Elite Mastercard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else

Big spend bonus: Companion award ticket with $25K annual spend ⚬ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ⚬ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month).

See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status

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

Citi Custom Cash Card
20K points
20K points after $750 spend in the first 3 months

No Annual Fee

Alternate offer: There is an in-branch offer for $300 / 30K points after $1K spend in the first 3 months that was originally scheduled to expire but has been extended without a clear end date. If you live near a branch, it may be worth calling to see if they have this offer available.

Recent better offer: None

FM Mini Review: This is a great card to have and hold for a single category where you spend no more than $500 per month as it represents an excellent return without rotating categories to track.


Card Type: Mastercard

Base
Travel
Dine
Gas
Grocery
Other

Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ⚬ 1x on all other purchases

Wyndham Rewards Earner Plus Card
45K Points
45K points after $1K spend in first 90 days

$75 Annual Fee

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

Wyndham Rewards Earner Business Card
45K Points
45K points after $1K spend in first 90 days

$95 Annual Fee

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

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

Hotels.com Rewards Visa Credit Card
Up to $250 in reward nights
Get two reward nights worth $125 each 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

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: Bank of America cards: awesome if you've got $100K lying around

Wyndham Rewards Earner Card
30K Points
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.


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

AT&T Access Card
15K points + $100 statement credit
15K ThankYou Points after $1K Spend in 3 Months + $100 statement credit after $250 in AT&T purchases in the first 3 months

No Annual Fee

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

Choice Privileges® Visa Signature® Card issued by Barclays
32K points
32K points after $1K spend in first 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: Up to 75K points + 4x everywhere: 50K after $1K spend in 90 days + 25K after $2K total spend in 180 days. 2 additional points per dollar for all spend until December 31, 2021 (for a total of 4 points per dollar on everyday purchases) [Expired 9/21]


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

Wells Fargo Active Cash Card
$200 Cash Back
$200 after $1000 spend in the first 3 months

No Annual Fee

FM Mini Review: This card offers a competitive flat 2% back everywhere and includes good cell phone insurance for a fee-free card (up to $600 in protection with just a $25 deductible).


Card Type: Visa

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 Customized 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

U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
20K points
20K 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)

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

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

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

United Gateway Card
15K Miles
15K miles after $1K spend in first 3 months + 3x on groceries (up to $15K in purchases in your first 12 months)

No Annual Fee


Card Type: Visa Signature

Base
Gas
Brand
Other

Earning rate: 3X on up to $15K in groceries in first 12 months ⚬ 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting

Noteworthy perks: Improved economy saver award availability ⚬ No foreign exchange fees ⚬ 25% back on United in-flight purchases

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

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

TD Business Solutions Visa

Card Type: Visa

Base
1%
Dine
2%
Gas
2%
Phone
3%

Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations

The Amex EveryDay® Preferred Credit Card from American Express

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.


Card Type: Amex Credit Card

Base
Gas
Grocery

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.

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

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.

Citi® Expedia Rewards 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

Allegiant World Mastercard® Credit Card
15K miles
15K after $1K in first 90 days

$59 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: You may be targeted for an offer including a $100 statement credit during a dummy booking.

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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