UPDATE 4/10/2019: Bank of America has updated the terms of the Business Advantage Relationship Rewards program. Now, like with personal cards, the relationship bonus will be applied the the card’s entire earnings. For example, if you earn 3% cash back and have Platinum Honors, you’ll get 3% x 1.75 = 5.25% back. For existing Cash Rewards for Business customers, this new approach starts with purchases made as of May 1 2019. For new cardholders, this new approach is already in effect. Hat Tip: Doctor of Credit.
Bank of America offers a loyalty program of sorts where the amount of money you have on deposit with BOA and Merrill determines your elite level. To achieve top tier Platinum Honors with either the consumer loyalty program (Preferred Rewards) or the business loyalty program (Relationship Rewards) you need to have $100K on deposit.
We’ve covered these programs before:
The most interesting benefit of top tier status in these programs is the ability to earn 75% more rewards via certain BOA credit cards. With either the consumer Travel Rewards card or the Business Travel Rewards card, this means that you can earn 2.63% back (towards travel) on all spend:
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FM Mini Review: The Affinity Cash Rewards Visa Signature card could be really interesting for its rotating categories since the fine print indicates that it stacks on top of ordinary earnings. No Annual Fee Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $1000 in purchases per month) ✦ 2% back at restaurants, gas stations, supermarkets, Netflix, Spotify, Uber and Lyft. Base: 1% Dine: 2% Gas: 2% Grocery: 2% Other: 5% Card Info: Visa Signature issued by AFCU. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees; cell phone protection |
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. No Annual Fee 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 |
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate $350 Annual Fee Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers✦ Terms and Limitations Apply. (Rates & Fees) |
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate $350 Annual Fee Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees) |
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. $650 Annual Fee Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $120 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. $650 Annual Fee Earning rate: 3X Delta Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, Mexico or Central America roundtrip main cabin companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or to earn an unlimited number of visits each year starting on 2/1/25, spend $75K or more on eligible purchases between 1/1/24 and 12/31/24, and each calendar year thereafter. ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $120 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
FM Mini Review: Priority boarding and first checked bag free 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. $0 introductory annual fee for the first year, then $150 Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year) ✦ 2x restaurants worldwide and US takeout & delivery Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
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. $0 introductory annual fee for the first year, then $150 Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $100 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
FM Mini Review: This card offers an OK welcome offer for a no annual fee card, but many/most other cards offer better return for spend. No Annual Fee Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases 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) |
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review $695 Annual Fee Earning rate: 5X flights and prepaid hotels at AmexTravel.com ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ Up to $120 Global Entry/TSA Precheck fee reimbursement.✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ $199 CLEAR fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits See also: Amex Platinum Guide |
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. $695 Annual Fee Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Up to $200 a year in statement credits for incidental fees at one qualifying airline per calendar year ✦ $200 prepaid hotel credit per calendar year valid on Fine Hotels & Resorts and The Hotel Collection bookings ✦ Up to $20 per month rebate for Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and/or The Wall Street Journal ✦ Up to $120 Global Entry/TSA Precheck fee reimbursement.✦ $15 monthly Uber or Uber Eats credit ($20 in December, use it or lose it each month) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $12.95 (+tax) monthly credit for Walmart+ monthly membership subscription credit when you pay with Platinum card ✦ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually) ✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Honors Gold status Enrollement required for some benefits. Terms Apply. (Rates & Fees) See also: Amex Platinum Guide |
FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. $325 Annual Fee Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Goldbelly, Wine.com, Five Guys, Seamless/Grubhub, The Cheesecake Factory) ✦ $10 monthly Uber or Uber Eats credit (use it or lose it each month - must select Amex card as payment method to redeem) ✦ $7 monthly Dunkin' credit ✦ $50 twice-annual Resy credit ✦ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc ✦ Enrollment required for select benefits. |
FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations. Click here for our complete card review $150 Annual Fee Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: $199 CLEAR credit annually Terms Apply. |
$95 Annual Fee Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply. Card Info: Amex Pay Over Time Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: None |
FM Mini Review: This card may be a keeper for those who use the monthly credits, but keep only if you also make good use of one or two 4X categories. Click here for our complete card review $375 Annual Fee Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. Base: 1X (1.55%) Travel: 3X (4.65%) Dine: 4X (6.2%) Gas: 4X (6.2%) Shop: 4X (6.2%) Phone: 4X (6.2%) Biz: 4X (6.2%) Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Earn up to $20 in statement credits each month for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment required. ✦ Monthly Walmart+ Membership credit after you use the card to pay for one monthly Walmart+ membership ✦ Terms Apply. (Rates & Fees) |
$250 Annual Fee Earning rate: Unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date. Pay your Minimum Payment Due by your Payment Due Date and the discount is applied to your next statement Base: 1.5% Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Terms and limitations apply. (Rates & Fees) |
FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Click here for our complete card review No Annual Fee Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases 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 |
No Annual Fee Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ✦ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ✦ 1.2X on other purchases Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Click here for our complete card review $95 Annual Fee 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. 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 |
$95 Annual Fee Earning rate: 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. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ✦ 3x points at US gas stations ✦ 1.5x points on other purchases. Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. $695 Annual Fee Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $500 after $100K cardmember year spend Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ 1 Free Authorized User ✦ Redeem points for 1 cent each into your Morgage Stanley account ✦ $695 Annual Engagement Bonus for Platinum CashPlus accounts See also: Amex Platinum Guide |
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. No Annual Fee 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 Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Big spend bonus: $100 after $25K card membership year spend Noteworthy perks: Invest with rewards (1 point = 1 cent) |
FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations $95 Annual Fee Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit 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. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Big spend bonus: $100 after $15K card membership year spend Noteworthy perks: Terms Apply. (Rates & Fees) |
$695 Annual Fee Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $110) ✦ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year. See also: Amex Platinum Guide |
No Annual Fee Base: 1.3X (2.02%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: 30% annual relationship bonus. Terms apply. See Rates & Fees Points earned with this card are not transferable to airline miles unless you also have a premium Membership Rewards card. |
FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review No Annual Fee Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) Base: 2X (3.1%) Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
No Annual Fee Earning rate: 2% cash back as a statement credit on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply. Base: 2% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: Solid cash back option (cash back given in the form of a statement credit), especially for those who spend a lot at US Supermarkets and US gas stations $0 introductory annual fee for the first year, then $95 Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Terms Apply. (Rates & Fees) |
No Annual Fee Earning rate: ✦ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ✦ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply. Base: 1% Gas: 3% Grocery: 3% Shop: 3% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Get $7 back each month after using your Blue Cash Every Day card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle. Terms Apply. (Rates & Fees) |
FM Mini Review: Good choice for those who spend A LOT at US Supermarkets. No Annual Fee Earning rate: ✦ Up to 5% Cash Back as a statement credit at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ✦ Up to 1% Cash Back as a statement credit on other purchases. ✦ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ✦ Terms Apply. Base: 1% Grocery: 5% Other: 5% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
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. No Annual Fee 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 (excludes Google Fi) ✦ 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. |
FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories. Cash back comes in the form of astatement credit. No Annual Fee Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply. Base: 1% Travel: 3% Gas: 3% Phone: 5% Office: 5% Biz: 3% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least twice per year. $550 Annual Fee Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per calendar year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees See also: Amex Hilton Aspire In-Depth Review |
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card. $150 Annual Fee Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases Base: 3X (1.44%) Dine: 6X (2.88%) Gas: 6X (2.88%) Grocery: 6X (2.88%) Shop: 4X (1.92%) Brand: 12X (5.76%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: ✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees) |
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. $195 Annual Fee Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Diamond elite status with $40K calendar year spend Noteworthy perks: ✦ Complimentary Hilton Honors Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ Complimentary National Car Rental(R) Emerald Club Executive(R) status (enroll through the link on your American Express online account) ✦ Terms Apply. (Rates & Fees) |
FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card. No Annual Fee Earning rate: ✦ 7X Hilton eligible Hilton purchases ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. 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) |
$0 introductory annual fee for the first year, then $95 Earning rate: 6X Marriott ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Marriott Gold Elite with $30K annual spend (note this threshold will increase to $35K on January 1, 2019) Noteworthy perks: 1 Free Night Award every year after your Card account anniversary up to 35K points (subject to resort fees) ✦ Receive free premium internet at Marriott properties. See also: Marriott Bonvoy Complete Guide |
FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers $650 Annual Fee Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
$125 Annual Fee Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide |
$250 Annual Fee Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend. No Annual Fee 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. |
No Annual Fee Earning rate: 1.5% on all eligible purchases Base: 1.5% Card Info: Amex issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: See rates & fees. |
$0 introductory annual fee for the first year, then $99 Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants 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: ✦ 2 free checked bags for primary cardholder only ✦ Priority boarding in Zone 2 ✦ MIles don't expire as long as account is open and in good standing. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card. |
$99 Annual Fee Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. 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 |
$99 Annual Fee Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else 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 |
FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile. $195 Annual Fee Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else 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 for up to 2 companions with $20K membership year spend. ✦ Earn up to 15,000 bonus Loyalty Points per status qualification period: Earn 5K bonus points at $20K spend, $40K spend, and $50K spend Noteworthy perks: $25 per day in-flight food & beverage credit ✦ First checked bag free ✦ Priority Boarding ✦ $120 Global Entry application fee credit ✦ 25% off in-flight purchases ✦ $50 wifi credit per membership year ✦ Round up purchases to earn more miles |
$99 Annual Fee Earning rate: 2X AA ✦ 1X everywhere else 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 |
$95 Annual Fee Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $99 companion certificate with $30K account year spend Noteworthy perks: ✦ First checked bag free ✦ Preferred boarding ✦ 5% bonus on miles earned the previous year after AF is paid ✦ 25% statement credit on in-flight purchases |
FM Mini Review: Even for Carnival enthusiasts, there's not much to get excited about here. No Annual Fee Earning rate: 2X Carnival ✦ 1X everywhere else Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed at 1 cent each towards Carnival purchases ✦ 0% promotional APR for 6 months on Carnival cruise bookings |
FM Mini Review: Even for HA enthusiasts, there's not much to get excited about here. No Annual Fee Earning rate: ✦ 2X Holland America ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards Holland America purchases or airfare |
FM Mini Review: Even for Princess enthusiasts, there's not much to get excited about here. No Annual Fee Earning rate: ✦ 2X Princess ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards Princess purchases, airfare or gift cards |
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. $99 Annual Fee Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else 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 |
FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one offers Group A boarding and earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers. $99 Annual Fee Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard 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 ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
FM Mini Review: Not bad for a fee-free airline card. No Annual Fee Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ 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. |
$89 Annual Fee Earning rate: 2X Miles & More Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee |
$99 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Maintain Emirates Skywards Silver status with $20K spend per membership year (Silver status offers cardmember lounge access to Emirates Business Class lounges in Dubai only) Noteworthy perks: 25% discount when buying miles ✦ No foreign transaction fees |
$499 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus miles with $30K spend per membership year ✦ Maintain Emirates Skywards Gold status with $40K spend per membership year (Gold status offers cardmember and guest lounge access to Emirates Business Class lounges worldwide) Noteworthy perks: Priority Pass Select ✦ Global Entry Fee Credit ✦ 25% discount when buying miles ✦ No foreign transaction fees |
$0 introductory annual fee for the first year, then $89 Earning rate: 2X Miles on all purchases Base: 2X (2%) Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Get 5% Miles back when redeeming for travel ✦ Chip wth PIN capability ✦ No foreign transaction fees ✦ Redeem miles for travel statement credits at 1 cent per point ✦ See Rates & Fees |
FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel. $150 Annual Fee Earning rate: 2X Miles on all purchases Base: 2X (2%) Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend Noteworthy perks: ✦ Chip wth PIN capability ✦ $100 Global Entry credit once every 5 years ✦ Lounge Key access (pay $27 per lounge visit) ✦ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile). |
No Annual Fee Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Get 5% Miles back when redeeming for travel ✦ Free FICO scores ✦ Chip wth PIN capability |
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. $75 Annual Fee Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: 6,000 bonus points every account anniversary ✦ Platinum status (matches to Caesar's Total Rewards Platinum) |
No Annual Fee Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Gold status |
FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. No Annual Fee Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else 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 |
FM Mini Review: Not bad, but the business version is better. $75 Annual Fee Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else 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 |
FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. $95 Annual Fee Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. 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 |
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. No Annual Fee 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) |
No Annual Fee 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. |
FM Mini Review: Points are worth $0.01 each toward paid travel. This card might be worth it for the bonus if you know you'll make good use of BreezePoints. Long term, it only makes sense if you frequently fly Breeze Airways -- and even then, there are other cards that might be as good or better for airfare purchases depending on how you value transferable points vs airline-specific penny points. $89 Annual Fee Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) Base: 1% Dine: 2% Grocery: 2% Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: One-way bundle upgrade with every $15K in purchases Noteworthy perks: 7,500 BreezePoints after every account anniversary with $10K in cardmember year purchases ✦ Priority Boarding ✦ Complimentary Inflight WiFi |
No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: When you redeem, earn 5% back towards next redemption. e.g. Redeem $100 cash back, earn $5 bonus towards next redemption. Note that redemptions start at $50 ✦ Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply |
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 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. |
FM Mini Review: While the initial bonus is not very generous, the uncapped 3x earnings in a category of your choice (from ten options) each quarter could make this card interesting. No Annual Fee Earning rate: Choose one of ten categories for 3x and one for 2x each quarter, then 1x everywhere else. Must choose 3x and 2x categories before each quarter starts or all purchases will default to 1x. You may select your categories as early as the first day of the preceeding quarter. Bonus categories are not capped. Base: 1X (1%) Card Info: Visa issued by BBVA. This card imposes foreign transaction fees. |
FM Mini Review: This card offers a decent cash back bonus and nice ongoing perks for a card with no annual fee. While the 1.5% earnings rate is not special, the card may be appealing in situations where you anticipate price protection or travel protections being useful. No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Visa issued by BECU. This card has no foreign currency conversion fees. Noteworthy perks: Price protection (up to $500 per claim / $2500 per year) ✦ Lost and delayed baggage protection ✦ Trip cancellation / interruption protection |
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears $95 Annual Fee Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ Priority Boarding ✦ 10% bonus on earned miles with eligible BOA account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears $95 Annual Fee Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ 10% bonus on earned miles with eligible BOA business account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
$90 Annual Fee Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. 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). |
FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review $89 Annual Fee Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous year Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years. |
$49 Annual Fee Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend; |
$99 Annual Fee Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: ✦ 10,000 points awarded annually ✦ $100 annual rebate on Asiana ticket purchases ✦ 2 lounge invitations every year on card anniversary |
$80 Annual Fee Earning rate: 2X Asiana Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights. |
FM Mini Review: Best for those who stay often at Sonesta hotels $0 introductory annual fee for the first year, then $75 Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining 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 Gold (free club access or continental breakfast plus other perks) |
No Annual Fee Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center 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 |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625X (2.63%) Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 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 |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return. Base: 1.5% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards for Business banking customers |
FM Mini Review: This can be a very appealing card for the $50,000/year in 3% bonus categories...and it becomes downright sexy if you have Preferred Rewards as well. No Annual Fee Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards for Business banking customers. This means that you can earn up to 5.25% with this card! Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%. |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% Card Info: Mastercard issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Base: 1X (1%) Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. |
FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else. $95 Annual Fee Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: ✦ $100 annual airline incidentals fee reimbursement ✦ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ✦ Up to 75% bonus for Preferred Rewards banking customers |
$95 Annual Fee Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status. $550 Annual Fee Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% Card Info: Visa Infinite issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual airline incidentals fee reimbursement ✦ $150 lifestyle conveniences reimbursement (streaming services, food delivery, fitness subscriptions and rideshare services) ✦ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ✦ Up to four Priority Pass Select accounts ✦ Up to 75% bonus for Preferred Rewards banking customers ✦ 20% discount when redeeming points for domestic or international airfare in any cabin class through Bank of America Travel Center or concierge |
FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status. $550 Annual Fee Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% Card Info: Visa Infinite issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual airline incidentals fee reimbursement ✦ $150 lifestyle conveniences reimbursement (streaming services, food delivery, fitness subscriptions and rideshare services) ✦ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ✦ Up to four Priority Pass Select accounts ✦ Up to 75% bonus for Preferred Rewards banking customers ✦ 20% discount when redeeming points for domestic or international airfare in any cabin class through Bank of America Travel Center or concierge |
No Annual Fee Earning rate: 3% back on your choice of the following: gas and EV charging, 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 |
No Annual Fee Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee 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%. Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Other: 3% Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
No Annual Fee Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. This means that you can earn up to 5.25% with this card! Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%. |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% Card Info: Mastercard issued by BOA. This card has no foreign currency conversion fees. |
FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card. No Annual Fee Base: 0% Card Info: Mastercard Platinum issued by BOA. This card imposes foreign transaction fees. |
No Annual Fee Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75% |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625X (2.63%) Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 2X Spirit 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 |
$0 introductory annual fee for the first year, then $79 Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else 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 |
FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity. $59 Annual Fee Earning rate: 2X everywhere Base: 2X (2.4%) Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ 5K bonus miles when you spend $10K annually and pay your annual fee Noteworthy perks: Zone 2 priority boarding |
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. No Annual Fee Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. |
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. No Annual Fee Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
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. No Annual Fee Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
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. $59 Annual Fee Earning rate: 3x Allegiant ✦ 2x dining 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 |
No Annual Fee 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 Comenity. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review $95 Annual Fee Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Receive up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees |
FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, Plaza Premium lounges, and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review $395 Annual Fee Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership w/ unlimited guests (lounges only) ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review $395 Annual Fee Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights and vacation rentals booked via Capital One travel. ✦ 2X everywhere else. Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge Access ✦ Priority Pass w/ unlimited guests ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
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 No Annual Fee Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel 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 |
FM Mini Review: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Spotify. No Annual Fee Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Other: 5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction 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% Dine: 3% Grocery: 3% Other: 3% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction 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% Dine: 3% Grocery: 3% Other: 3% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: Excellent cash back card for dining and entertainment spend. $0 introductory annual fee for the first year, then $95 Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Dine: 4% Grocery: 3% Other: 4% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. $0 introductory annual fee for the first year, then $95 Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One Travel Base: 2X (2.9%) 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 ✦ No foreign transaction fees ✦ Up to $120 fee credit for TSA PreCheck® application fee or Global Entry application fee |
FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card. No Annual Fee Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One Travel Base: 1.5X (2.18%) 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 ✦ No foreign transaction fees |
FM Mini Review: A good option for business owners who prefer simple cash back rewards. $0 introductory annual fee for the first year, then $95 Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% Card Info: Visa Signature issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Note that this is a pay-in-full card, so your balance is due in full every month. $150 Annual Fee Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Big spend bonus: Spend at least $150,000 annually and get $150 annual fee refunded. Noteworthy perks: No foreign transaction fees ✦ No preset spending limit |
FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus card. No Annual Fee Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: By means of "Rocket Points" this is really a 1.25%-5% cashback card. Could be useful to build some cash towards a down payment, lackluster otherwise. $95 Annual Fee Earning rate: 5x Rocket Points everywhere Base: 1.25% Card Info: Visa Signature issued by Celtic. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards down payment or closing costs at 5% cash back value ($8,000 max per loan), towards Rocket Mortgage principal at 2% cash back value or towards statement credits at 1.25% cash back value |
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. No Annual Fee 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. |
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. No Annual Fee 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. |
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. No Annual Fee 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 welcome offer makes it worth a look. Base: 1% Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. 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 |
FM Mini Review: This card only earns 2% at gas stations, grocery stores and restaurants and 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. $49 Annual Fee Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% 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 ✦ |
FM Mini Review: Good choice for a nice intro bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe. $95 Annual Fee Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years. Noteworthy perks: Up to $600 per year in award fee rebates ✦ 10% off BA flights originating in the US. ✦ No foreign transaction fees |
FM Mini Review: Good choice for a nice intro bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year. $95 Annual Fee Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10 ✦ No foreign transaction fees |
FM Mini Review: Good choice for a nice intro bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year. $95 Annual Fee Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year. Noteworthy perks: Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland ✦ No foreign transaction fees. |
FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year. $69 Annual Fee Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Big spend bonus: If you earn 135,000 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. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year |
$99 Annual Fee Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. Card Info: Visa issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5,000 spent in purchases annually. Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year. |
$199 Annual Fee Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5K in purchases Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year. |
FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. $99 Annual Fee Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. |
FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. $149 Annual Fee Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5K in purchases Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year |
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. $0 introductory annual fee for the first year, then $99 Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100 ✦ Earn up to 1,000 PQPs per year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ✦ 25% back as a statement credit on United in-flight and Club Premium drink purchases |
FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. . $525 Annual Fee Earning rate: ✦ 4X United ✦ 2X dining & travel Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 10,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: ✦ United Club membership ✦ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ✦ 10% discount on saver level economy awards within the continental US and Canada ✦ Up to $120 for Global Entry, TSA Precheck or Nexus fee credit ✦ 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 |
FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership $450 Annual Fee Earning rate: ✦ 2X United ✦ 1.5X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Get one year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Free 1st and 2nd checked bags ✦ Primary auto rental collision damage waiver ✦ Hertz Gold Plus Rewards® President's Circle® |
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. $0 introductory annual fee for the first year, then $95 Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Free first checked bag for primary cardholder and one travel companion when you pay with the card ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year on you anniversary ✦ One year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ Up to $120 Global Entry,TSA Pre-check or Nexus credit ✦ 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card |
$250 Annual Fee Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 6,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year - terms apply ✦ Two 5K award flight rebates per cardmember year ✦ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your Mileage Plus number ✦ Up to $120 Global Entry, TSA PreCheck or Nexus reimbursement ✦ 25% back on United inflight or Club Premium drink purchases |
No Annual Fee Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting 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 |
FM Mini Review: Great card for regular or frequent Air Canada flyers $95 Annual Fee Earning rate: 3X Air Canada ✦ 3X grocery stores ✦ 3X dining ✦ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Renew 25K status w/ $15K spend ✦ Status Boost w/ $50K spend ✦ Priority Reward w/ $100K, $250K, $500K, or $750K spend ✦ Free award companion for rest of calendar year and all of next with $1Million spend Noteworthy perks: Discounted award pricing ✦ Free checked bag ✦ $100 credit for NEXUS, Global Entry or TSA PreCheck every 4 years ✦ Carbon offsets on Air Canada awards ✦ Pay Yourself Back for travel at 1.25 cents per point, up to 50K points per year ✦ 10% bonus when transferring Ultimate Rewards to Aeroplan (25K max bonus/year) |
FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash Click here for our complete card review $550 Annual Fee Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: $300 Annual Travel Credit ✦ Points worth 1.5 cents each towards travel when booked through the Chase Travel(SM) Portal✦ Transfer points to airline & hotel partners ✦ Primary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry fee credit ✦ Free DashPass through 2027 See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. $95 Annual Fee Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ $10 monthly credit for non-restaurant DoorDash orders ✦ Free DashPass through 2027 ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit |
FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. No Annual Fee Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities). 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+ See also: Chase Ultimate Rewards Complete Guide |
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. No Annual Fee Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities) 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 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
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 No Annual Fee Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else 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 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
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. No Annual Fee 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+ |
FM Mini Review: Great welcome bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review No Annual Fee Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: This one should be in everyone's wallet. Incredible welcome bonus for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review No Annual Fee Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: Great card for welcome bonus and 3X categories. Also consider theInk Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. $95 Annual Fee Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners ✦ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
$0 introductory annual fee for the first year, then $95 Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: This is an almost 1 to 1 copy of Capital One's Spark Cash Plus card, but the Chase card throws in 2.5% earnings on very large purchases. Unfortunately, the Chase card also has a slightly higher annual fee. The biggest disappointment about this card is that, unlike other Chase Ink cards, the rewards cannot be moved to other Chase cards to improve their value. Even though this card technically earns Ultimate Rewards points, it's best to think of it as a straight up cash back card. Click here for our complete card review $195 Annual Fee Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Travel(SM) ✦ 2% cash back on all other spend Base: 2% Other: 5% Card Info: Visa Signature Business Charge Card issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Purchase protections ✦ Cell phone protection (up to $1K per claim) ✦ Travel protections |
FM Mini Review: Great card for welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status. $95 Annual Fee Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights |
FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. $199 Annual Fee Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year ✦ Hyatt Leverage membership with no minimum stay requirements. |
FM Mini Review: Not much to see here for all but the most ardent Instacart fans No Annual Fee Earning rate: ✦ 5% back on instacart orders and on travel purchased through Chase Travel ✦ 2% back at gas stationes, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Dine: 2% Gas: 2% Brand: 5% Card Info: Mastercard issued by Chase. This card has no foreign currency conversion fees. |
FM Mini Review: Could be worth considering for folks who spend a lot on DoorDash and restaurants. No Annual Fee Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 2% Brand: 4% Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 12 months of free Dash Pass after $10,000 in purchases within a cardmember year. Noteworthy perks: 10% off first order each month (up to $15 per order) on convenience, grocery, alcohol, retail or dashMart ( through 12/31/24) ✦ $5 off one order each month (through 9/30/24) ✦ Trip protection ✦ Purchase protection |
No Annual Fee Earning rate: 3% restaurants and gas stations. Base: 1% Dine: 3% Gas: 3% Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. |
FM Mini Review: Those free night certificates issued before 5/1/18 are redeemable at any IHG property, but those issued after 5/1/18 are restricted to properties up to 40K per night. For only $49 per year, this still a good card to keep, but not to use for spend $49 Annual Fee Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Annual free night e-certificate good at IHG properties up to 40K points per night ✦ Automatic 10% point rebate ✦ Platinum elite status |
$99 Annual Fee Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
$99 Annual Fee Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit. No Annual Fee Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else Card Info: Mastercard World issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points after $10K in purchases and one additional purchase each calendar year ✦ Gold status after $20K in purchases and one additional purchase each calendar year. Noteworthy perks: Fourth night free on award stays ✦ 20% discount on points purchases ✦ No foreign transaction fees |
$250 Annual Fee Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
FM Mini Review: While the card is pricey, the annual free night, plus $300 in ariline fee credits, plus other perks make this card a keeper. $450 Annual Fee Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $75K spend per calendar year for Platinum elite status Noteworthy perks: ✦ Annual 85K hotel certificate upon renewal ✦ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ✦ Priority Pass Select with unlimited guests ✦ Access Sapphire Lounges for yourself and unlimited guests for free ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status See also: Marriott Bonvoy Complete Guide |
$85 Annual Fee Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 1 credit towards elite status for every $3,000 in purchases Noteworthy perks: ✦ 15 night credit towards elite status every year upon account anniversary ✦ Free category 1-5 certificate each year upon renewal |
$95 Annual Fee Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn Gold status when you spend $35K each year ✦ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: ✦ Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent See also: Marriott Bonvoy Complete Guide |
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 No Annual Fee Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ 5 nights of elite credit each year See also: Marriott Bonvoy Complete Guide |
$99 Annual Fee Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else. Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: 35K free night award each year upon renewal ✦ Gold status ✦ 15 elite night credits each calendar year ✦ Free in-room premium internet ✦ 7% discount off the standard rate for a standard room at participating hotels when you book direct (Terms and Conditions apply) See also: Marriott Bonvoy Complete Guide |
FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) $0 introductory annual fee for the first year, then $99 Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: $125 AA Flight Discount with $20K membership year spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases |
FM Mini Review: This card hardly seems worth the $50 annual fee $0 introductory annual fee for the first year, then $50 Base: 1X (1.3%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
FM Mini Review: Not bad for grocery spend if you highly value AA miles No Annual Fee Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. $0 introductory annual fee for the first year, then $99 Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases |
FM Mini Review: Good choice for those who need Admirals Club® access and those who value the Loyalty Points boosts at 50K and 90K Loyalty Points earned. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) and some handy credits for Avis or Budget rentals and GrubHub. $595 Annual Fee Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ✦ Up to $120 back on eligible Avis or Budget prepaid car rentals every calendar year ✦ $10 monthly Lyft credit after you take 3 Lyft rides that calendar month ✦ 10K bonus Loyaty Points after earning 50K Loyalty points through all channels and another 10K bonus Loyalty Points after earning 90K Loyalty Points through all channels ✦ 25% savings on eligible in-flight purchases on American Airlines flights ✦ Up to $120 Global Entry or TSA PreCheck application fee credit every 4 years |
No Annual Fee Earning rate: 3x travel ✦ office supply ✦ professional services Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.) See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: The Prestige card's best in class 5X rewards for dining, airfare, and travel agencies is hard to beat. Sadly, this travel card doesn't provide any travel protections. $495 Annual Fee Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: $250 travel rebate per calendar year ✦ Free lounge access: Citi Properietary Lounges; and Priority Pass Select with free guests ✦ $100 Global Entry application fee credit ✦ 4th night free hotel benefit See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: Shop Your Way points are worth .85 cents each and can only be used towards specific gift cards and merchandise. But where this card shines is with its regular offers that start to appear after putting spend on the card, often giving 10-15x cash back or Thank You Points on various categories of purchases. It's a keeper because of it. No Annual Fee Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart Card Info: Mastercard ` issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Known for extremely generous targeted spending offers for statement credits and Thank You Points |
FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Click here for our complete card review $95 Annual Fee Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies ✦ 10X hotels, car rentals, and attractions booked through Citi Travel℠ Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline partners ✦ $100 Annual Hotel Savings Benefit ($100 off a $500+ hotel stay, excluding taxes and fees, when booked through Citi Travel) ✦ Travel protections See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: Downgrade from Prestige or Premier to this card in order to keep points alive No Annual Fee Earning rate: 2X dining and entertainment Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: The fact that you can get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year, makes this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash Click here for our complete card review No Annual Fee Earning rate: 5x on travel booked through Citi Travel℠ Portal through December 31, 2025 (excludes air travel) ✦ 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ✦ Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year. See also: Citi ThankYou Rewards Complete Guide |
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 No Annual Fee 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 Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. 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 |
FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings) $95 Annual Fee Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending See also: Citi ThankYou Rewards Complete Guide |
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. No Annual Fee 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 Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. See also: Citi ThankYou Rewards Complete Guide |
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 No Annual Fee Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ or $10 statement credit when you spend $500 - $999.99 (for AT&T Wireless customers omly) See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Click here for our complete card review No Annual Fee Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ For a limited time: Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/24. Base: 2X (2.9%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases ✦ 24 month extended warranty See also: Citi ThankYou Rewards Complete Guide |
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. No Annual Fee 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 Base: 1X (1.45%) Travel: 5X (7.25%) Dine: 5X (7.25%) Gas: 5X (7.25%) Grocery: 5X (7.25%) Other: 5X (7.25%) Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: 24 month extended warranty See also: Citi ThankYou Rewards Complete Guide |
No Annual Fee 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 |
No Annual Fee 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. |
$95 Annual Fee Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 5K anniversary bonus with $10K annual spend Noteworthy perks: ✦ $100 annual air travel fee credit ✦ Expedia+ Gold status |
No Annual Fee Earning rate: 3X Expedia purchases Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year Noteworthy perks: Free Expedia+ Silver status |
No Annual Fee Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% Other: 5% Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. |
FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back. No Annual Fee Earning rate: 1.8% back everywhere (1.9% back if you have a Citizens Quest checking account) 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 |
FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20). $400 Annual Fee Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else 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) |
FM Mini Review: 3% cashback everywhere? What's not to like? No Annual Fee Base: 3X (3%) Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees. Noteworthy perks: 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ Cell phone protection ($500 max, $50 deductible) ✦ Trip protection ✦ 66% uplift on points when redeemed for travel through Robinhood portal |
FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards. No Annual Fee Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month Base: 2X (2%) Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees. Big spend bonus: Earn 3x for all spend between $1000 and $7,500 each calendar month Noteworthy perks: Higher credit limit than most cards ✦ Virtual card numbers ✦ 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ cell phone protection ($500 max, $50 deductible) ✦ trip protection ✦ car rental coverage |
FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus. No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard issued by Comenity. This card imposes foreign transaction fees. |
FM Mini Review: Great card to get for its first year 3% cash back. No Annual Fee 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) |
No Annual Fee Earning rate: 1.5 miles per dollar for all spend. All Miles are doubled at the end of your first card membership year. Base: 3% Card Info: Discover issued by Discover. This card has no foreign currency conversion fees. |
FM Mini Review: Great card to get for its first year 3% cash back. No Annual Fee Earning rate: 1.5% cash back for all spend. Base: 1.5X (1.5%) Card Info: Discover issued by Discover. This card has no foreign currency conversion fees. Noteworthy perks: ✦ No foreign transaction fees ✦ Redeem cash back in any amount |
FM Mini Review: This is a great choice for its rotating 5% categories No Annual Fee Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2024: Amazon & Target) Base: 1% Grocery: 5% Shop: 5% Other: 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 |
FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee. No Annual Fee Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2024: Amazon.com and Target) Base: 1% Dine: 5% Shop: 5% Other: 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 |
No Annual Fee 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 |
FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. No Annual Fee Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else 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 |
$60 Annual Fee Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ✦ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals. Base: 1.5% Grocery: 2.5% Shop: 2.5% Other: 2.5% Card Info: Visa Signature issued by Evolve. This card has no foreign currency conversion fees. Noteworthy perks: Earn double rewards when you complete fitness goals (150 minutes elevated heartrate per week). Requires a fitness tracker: Apple Watch, Fitbit, or Garmin. Currently only available for iPhone users. |
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. No Annual Fee Earning rate: 5x Cavs season tickets and streaming services ✦ 3x other Cavs tickets, dining, grocery, and delivery ✦ 1x everywhere else Base: 1% Dine: 3% Grocery: 3% Brand: 5% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: 10% off at the Cavs store ✦ $5 towards Peacock Premium after $500 monthly spend |
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. No Annual Fee Earning rate: 5x rideshare and streaming services ✦ 5x bars and restaurants on match days ✦ 1x everywhere else Base: 1% Dine: 5% Other: 5% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: 10% off at the Manchester United Megastore, Red Cafe, and United Direct ✦ $5 towards Peacock Premium after $500 monthly spend |
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. No Annual Fee Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ✦ 3x at bars, restaurants, and select delivery services ✦ 1x everywhere else Base: 1% Dine: 3% Brand: 5% Other: 5% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Annual LFC International Membership for as long as card account is active (benefits include a 10% retail discount in LFC official stores and online with a maximum discount value of £75 per season year, digital matchday programmes for every Premier League home match, and access to a dedicated online Members' Area as well as discounts on Anfield Stadium Tours and food from the Boot Room Sports Café as well as an LFC pen, pin badge, and keyring upon LFC International Membership initiatio). ✦ LFCTV GO complimentary for the first year; and then with LFC International Membership, cardholders receive 50% off LFCTV GO each following year. |
FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward gift cards for Marlins gear, so this card could be a good deal for a Marlins fan. That is particularly true if you value some of the unique experiences offered by Home Run Rewards. No Annual Fee Earning rate: 5x on Marlins tickets ✦ 5% back on retail & concessions at IoanDepot Park ✦ 3x on dining, food delivery, gas and drugstores ✦ 1x on everything else Base: 1% Dine: 3% Brand: 5% Other: 3% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Transfer 10 points to 1 Home Run Reward point (Miami Marlins loyalty program, which offers some unique redemptions) |
FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward Fanatics gift cards, so this card could be a good deal for its bonus categories. No Annual Fee Earning rate: 4x gas ✦ 4x bars, restaurants, and select food delivery services ✦ 4x on Pelicans tickets ✦ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store Base: 1% Dine: 4% Gas: 4% Brand: 4% Other: 4% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. |
FM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios $99 Annual Fee Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else Card Info: Visa Signature issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 2,000 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Silver/oneworld Ruby status for one year |
FM Mini Review: Getting complimentary oneworld Sapphire for one year could be appealing for folks who value the Admiral's Club access. Beyond that, the card's steep annual fee will probably make this most appealing for those who actually fly Qatar regularly, especially now that there's the reward fee rebate $499 Annual Fee Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else Card Info: Vsa Infinite issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 1,500 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Gold/oneworld Sapphire status for one year (includes access to domestic AA Admirals Clubs and Alaska Lounges) ✦ Global Entry/TSA Precheck credit ✦ Travel accident insurance ✦ Trip cancellation reimbursement ✦ Trip delay reimbursement |
FM Mini Review: The two free checked bags per year and two lounge passes could justify the annual fee, but this card isn't a clear win for most people. $79 Annual Fee Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 status mile for every 5 miles earned from spend up to 10,000 status miles from 50,000 miles earned from spend (excludes miles earned from the welcome bonus). Noteworthy perks: Preferred boarding ✦ 2 lounge passes per year to TAP lounge at Lisbon Airport ✦ Free extra checked bag twice per year ✦ 1 status mile per 5 miles earned from spend up to 10K status miles per annual qualification period |
FM Mini Review: Points are worth $0.01 each toward a statement credi No Annual Fee 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. |
FM Mini Review: This card could be worthwhile for those who fly Avianca enough to take advantage of Silver Elite benefits but not enough to earn that status. However, it isn't a great way to earn Avianca Lifemiles long-term. $99 Annual Fee Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Avianca Silver elite status |
FM Mini Review: If you were already interested in a LifeMiles+ subscription, this card might be appealing since it only costs $9 more than the cost of 12 months of the "Lite" subscription (or you can enjoy the same annual $240 in value toward higher subscription levels with a $20 monthly discount). It could be worth getting the card for the Silver Elite benefits if you would have considered buying a LifeMiles+ subscription anyway. However, for ongoing spend, it is less compelling given the fact that many transferable currency cards offer superior return on spend. $249 Annual Fee Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Avianca Silver elite status |
FM Mini Review: Not much to see here. If you're a Best Western loyalist, the Premium card is probably worth the annual fee. No Annual Fee Earning rate: 4X Best Western ✦ 2X everywhere else Card Info: Visa Signature issued by First Bank & Trust. This card has no foreign currency conversion fees. Big spend bonus: 10,000 bonus points after $5K spend in cardmember year Noteworthy perks: Complimentary Gold elite status |
FM Mini Review: Best for those who stay often at Best Western hotels and might be worth keeping in the sock drawer for the annual free night award $89 Annual Fee Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else Card Info: Visa Signature issued by First Bank & Trust. This card has no foreign currency conversion fees. Big spend bonus: Free night award after $10K spend in cardmember year Noteworthy perks: Anniversary free night award ✦ Complimentary Platinum elite status |
FM Mini Review: Effectively a 2% cashback card on bonuses categories. Outside of the welcome bonus, there's not much that's exciting here. No Annual Fee Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% Card Info: Mastercard World issued by First Tech. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere 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 See also: Amtrak Guest Rewards credit card review |
$99 Annual Fee Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. 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. Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
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. No Annual Fee 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 |
FM Mini Review: Decent welcome bonus for a 2% cash back card. No Annual Fee Earning rate: 2% everywhere Base: 2% Card Info: Visa Signature issued by FNBO. This card imposes foreign transaction fees. |
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. No Annual Fee Earning rate: 2X everywhere Base: 2% Card Info: Mastercard Credit Card issued by FNBO. This card imposes foreign transaction fees. |
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. No Annual Fee Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Card Info: Mastercard Credit Card issued by FNBO. This card has no foreign currency conversion fees. |
FM Mini Review: The MGM Rewards Mastercard won't have much to offer, except to those for whom earning tier credits on spend is appealing. No Annual Fee Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Noteworthy perks: Earns points and tier credits for spend and BetMGM deposits ✦ MGM Pearl Status |
$89 Annual Fee Earning rate: 10X at Best Western properties ✦ 2X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: 40K bonus points when you spend at least $5,000 during each 12 billing cycle period Noteworthy perks: ✦ 10% off Flexible Rate Stays ✦ Platinum Elite Status (get a free welcome snack) |
FM Mini Review: Outside of the (very) modest welcome offer, not much to see here. $69 Annual Fee Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere Card Info: Visa Signature issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points when you spend at least $10,000 during each 12 billing cycle period Noteworthy perks: 1 free premium drink per night ✦ 50% off seat selection and first bag ✦ Priority boarding |
FM Mini Review: This card offers a poor earning structure of just 1 mile per dollar and a very weak bonus compared to required spend that it just isn't worth it. $70 Annual Fee Base: 1X (1.3%) Card Info: Mastercard issued by FNBO. This card has no foreign currency conversion fees. Noteworthy perks: 10% bonus miles for every flight taken with Japan Airlines |
FM Mini Review: This card may be worth it for the welcome bonus and possibly for the annual rideshare benefit if you have an HSBC Premier checking account and can thus keep the card annual fee-free. Note that the points value is based on HSBC's stated value when redeemed for airfare via the HSBC portal. $0 introductory annual fee for the first year, then $95 Earning rate: 2x travel (includes airlines, hotels, and car rentals) Card Info: Mastercard World issued by HSBC. This card has no foreign currency conversion fees. Noteworthy perks: $50 Uber or Lyft credit annually (20% back up to $50) ✦ TSA PreCheck credit once every 5 years ✦ Complimentary Boingo Wi-Fi |
FM Mini Review: Points are worth 1.5c each when redeemed for airfare through the HSBC portal. Could be worthwhile for a welcome bonus, but not rewarding enough to justify keeping beyond the first year. $395 Annual Fee Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining Card Info: Mastercard World Elite issued by HSBC. This card has no foreign currency conversion fees. Noteworthy perks: $100 Uber or Lyft credit annually (up to $20 per ride, up to $100 per year) ✦ $100 annual air travel credit (reimburses tickets, seat upgrades, baggage fees, or in-flight purchases) ✦ LoungeKey membership and 2 free lounge visits per year ✦ Global Entry or TSA PreCheck credit ✦ Complimentary Boingo Wi-Fi |
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. No Annual Fee 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. |
FM Mini Review: Meh. There's better ways to earn Turkish Miles. $99 Annual Fee Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else Card Info: Visa Signature issued by Imprint. This card has no foreign currency conversion fees. |
FM Mini Review: Might be appealing for cash back bonus hunters who can make use of the 5% and 10% bonus categories, but the $200 monthly limit on earned cash back rewards could be annoying to track. $0 introductory annual fee for the first year, then $95 Earning rate: 2.5%, 5%, or 10% back at select retailers ✦ 1.5% everywhere else ✦ Note a monthly limit of $200 in earned rewards. Base: 1.5% Card Info: Visa Signature issued by M1. This card has no foreign currency conversion fees. Noteworthy perks: As much as 10% back in rewards at select retailers. Note that cash back rewards are limited to $200 back per calendar month. |
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. No Annual Fee 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. |
FM Mini Review: Meh. Points are only worth about 0.85 cents each. I recommended this card when it used to be fee-free, but not for $95 per year. $95 Annual Fee Earning rate: 4X Travel for PenFed Honors Advantage Members ✦ 3X travel otherwise ✦ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members. Card Info: Visa Signature issued by PenFed. This card has no foreign currency conversion fees. Noteworthy perks: $100 Domestic Airline Fee Credit ✦ $120 Global Entry credit ✦ Priority Pass Membership ($32 per visit) |
FM Mini Review: A decent-ish no annual fee card, given the 5x and 3x categories. Points are are only worth .85 cents each, so really the 5x is 4.25x and the 3x is 2.55x. There's probably better options out there. No Annual Fee Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else. Card Info: Visa Signature issued by PenFed. This card has no foreign currency conversion fees. |
FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is good, but due to the annual fee, you can do better after the first year. $0 introductory annual fee for the first year, then $85 Earning rate: 2X everywhere Base: 2X (2%) Card Info: Visa Signature issued by PNC. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile (or for a statement credit at a value of 0.5 cents per mile) |
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. No Annual Fee Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) Card Info: Visa issued by PNC. This card imposes foreign transaction fees. Noteworthy perks: Cell phone protection |
FM Mini Review: While the headline is 3% back for a year, the bonus itself is an extra 1.5% back on up to $20K in purchases for the first year. That's certainly not a bad return on otherwise unbonused spend, but many other cards on the market that offer even moderately good welcome bonuses offer greater net return with significantly less spend. No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard World issued by Santander. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
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. No Annual Fee 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 |
No Annual Fee 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. |
$95 Annual Fee Earning rate: ✦ 2X Cathay Pacific ✦ 1.5X dining ✦ 1.5X purchases outside of the US ✦ 1X everywhere else Card Info: Visa Signature issued by Synchrony. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary green tier membership in the Marco Polo Club for first year of card membership |
FM Mini Review: Excellent cash back card for PayPal spend. No Annual Fee Earning rate: 3% cash back when you check out with PayPal ✦ 1.5% cash back everywhere else Base: 2% Brand: 3% Card Info: Mastercard Signature issued by Synchrony. This card imposes foreign transaction fees. |
FM Mini Review: Excellent cash back card for everyday spend with no foreign transaction fee. No Annual 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. |
FM Mini Review: The Tier Points and annual 3rd night free at Virgin Hotels might be useful for some, especially with the anniversary bonus...but it's more "meh" than "yeah" for most of us. $99 Annual Fee Earning rate: 3X Virgin Atlantic, Virgin Hotels and Virgin Voyages ✦ 2X dining, at grocery stores, on select streaming services and for EV charging ✦ 1X everywhere else Card Info: Mastercard Signature issued by Synchrony. This card has no foreign currency conversion fees. Big spend bonus: Spend $15k in a calendar year to choose one or $30k to choose two of: voucher for companion seat or cabin upgrade; one free night or suite upgrade at Virgin Hotels up to $300 Bar Tab credit or Blue Extras perks package on Virgin Voyages Noteworthy perks: 25 Tier Points for each $2,500 in eligible purchases (max 50 Tier Points per month) ✦ 3rd night free at participating Virgin Hotel once/year ✦ 5,000 point yearly anniversary bonus |
No Annual Fee Earning rate: Earn Verizon Dollars: 4% grocery, gas, dining and Verizon purchases (exlcudes monthly bill) ✦ 1% everywhere else 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. |
$0 introductory annual fee for the first year, then $95 Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
$0 introductory annual fee for the first year, then $89 Earning rate: 3X travel & dining Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% Card Info: Visa issued by TD. This card has no foreign currency conversion fees. |
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. No Annual Fee Base: 1X (1.5%) Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees. Noteworthy perks: Travel and purchase protection |
FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) $495 Annual Fee Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $250 annual airline fee credit for selected domestic airline ✦ 12 Gogo inflight wifi passes ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary car rental collision and theft insurance coverage ✦ Travel accident insurance, emergency medical evacuation coverage, lost luggage, trip delay, trip cancellation ✦ No foreign transaction fees |
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. No Annual Fee Base: 1X (1.5%) Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees. Noteworthy perks: Primary rental car coverage for business rentals ✦ Travel accident insurance ✦ Delayed and lost luggage coverage ✦ Extended warranty ✦ Return protection |
FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) $550 Annual Fee Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $350 annual airline fee credit for selected domestic airline ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary rental car coverage for business rentals ✦ Travel accident insurance, emergency medical evacuation coverage, delayed & lost luggage, trip delay, trip interuption, trip cancellation ✦ Price protection, event ticket protection, return protection, extended warranty, purchase protection ✦ No foreign transaction fees |
FM Mini Review: The annual fee kills the value here $150 Annual Fee Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1% Base: 2% Card Info: Visa Signature issued by UBS. This card has no foreign currency conversion fees. Noteworthy perks: Purchase security ✦ extended warranty ✦ Return protection ✦ Travel accident insurance ✦ Delayed and lost luggage coverage ✦ Primary collision and damage waiver coverage on rental cars for business |
FM Mini Review: Since the points are worth 1c each, this card isn't terribly rewarding for ongoing spend. Note that points can not be combined with the Altitude Reserve. $0 introductory annual fee for the first year, then $95 Earning rate: 2x on top two categories where you spend the most each month. Base: 1% Other: 2% Card Info: Visa Signature Business issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Earn 2x in the two categories in which you spend the most each month. Full list of categories can be found here. |
FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend. $0 introductory annual fee for the first year, then $55 Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). Base: 1X (0.71%) Travel: 2X (1.42%) Gas: 2X (1.42%) Phone: 2X (1.42%) Office: 2X (1.42%) Other: 2X (1.42%) Card Info: Visa Business issued by USB. This card has no foreign currency conversion fees. Big spend bonus: $55 credit with $24K spend per cardmember year Noteworthy perks: $25 airline fee credit when points are redeemed for flights |
FM Mini Review: This is a decent choice for uncapped 3% rewards at grocery stores. Otherwise this card is not exciting. $0 introductory annual fee for the first year, then $49 Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). Base: 1X (0.71%) Travel: 2X (1.42%) Gas: 2X (1.42%) Grocery: 2X (1.42%) Phone: 2X (1.42%) Other: 2X (1.42%) Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Big spend bonus: 3,500 bonus points with $24K spend per cardmember year Noteworthy perks: $25 airline fee credit when points are redeemed for round-trip flights ✦ No foreign transaction fees |
FM Mini Review: This is a niche choice for 6% cash back at certain retailers that some may find rewarding. Otherwise this card is not particularly exciting. $0 introductory annual fee for the first year, then $95 Earning rate: 6x on first $1,500 in purchases each quarter with two retailers you choose ✦ 3x on first $1,500 in purchases per quarter on one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities) Base: 1.5% Gas: 3% Other: 6% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
FM Mini Review: I don't see much use for this card past the signup bonus. Cancel when the next annual fee comes due. $85 Annual Fee Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Card Info: Amex Credit Card issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: ✦ $25 airline fee credit when points are redeemed for round-trip flights ✦ One time TSA PreCheck or Global Entry fee credit |
FM Mini Review: With points worth 1.5 cents each towards travel, this card offers an excellent signup bonus. For ongoing use, this card is a winner for those who spend a lot on mobile payments (at 3X, rewards are worth 4.5%) Click here for our complete card review $400 Annual Fee Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments Card Info: Visa Infinite issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: $325 in travel/dining credits per membership year ✦ Points worth 1.5 cents each towards travel ✦ Real Time Mobile Rewards (redeem points at full value at time of purchase) ✦ Priority Pass Select airport lounge access (8 per year) ✦ Primary car rental coverage ✦ No foreign transaction fees ✦ Free authorized user cards |
FM Mini Review: This card offers an excellent signup bonus. For ongoing use, it's effectively a 2% cashback card that increases to 2.5% for the first $5K in mobile wallet spend per quarter. $195 Annual Fee Earning rate: 6x prepaid hotel & car rental through Altitude Rewards Center ✦ 2.5X mobile wallet payments (on up to $5,000 spend per quarter) Base: 2% Shop: 2.5% Other: 6% Card Info: Mastercard World Elite issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Real Time Mobile Rewards (redeem points at full value at time of purchase) ✦ No foreign transaction fees ✦ Free authorized user cards |
FM Mini Review: On its own, an OK cashback card with no annual fee, but becomes much more powerful if you have deposits with US Bank. No Annual Fee Base: 2% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. Noteworthy perks: Earn better cashback rates when you hold a balnce in an eligible US Bank account: $5,000-$49,999 = 2.5% total cashback; $50,000-$99,999 = 3% bonus cashback; 100,000+ = 4% cashback |
No Annual Fee Base: 2.5X (2.5%) Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
No Annual Fee Base: 3X (3%) Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
No Annual Fee Base: 4X (4%) Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
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. No Annual Fee Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Dine: 4% Gas: 2% Grocery: 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) |
FM Mini Review: This card offers decent returns on gas station and travel spend and it features no foreign transaction fees, but points are now only worth 0.8cpp. However, return on most other spend is relatively weak. No Annual Fee Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Priority Pass Select with 4 free visits ✦ Up to $100 in credits for TSA PreCheck or Global Entry ✦ Complimentary 5 GB / 15-day plans + 20% off on all other GigSky plans (international roaming) |
FM Mini Review: This card offers decent return on gas station and travel spend and it does feature no foreign transaction fees. However, the return on most other spend is relatively weak. $0 introductory annual fee for the first year, then $95 Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: $25 statement credit after every three consecutive monthly taxi or rideshare transactions paid for with your card. 4x Priority Pass lounge visits per year. |
$0 introductory annual fee for the first year, then $75 Earning rate: 2X on spending with LAN & TAM Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. 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 |
$95 Annual Fee Earning rate: 2x on Korean Air, Hotels and Dining Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: 5% off Korean Air flight (cardholder+companion) 1X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ 2,000 bonus points upon renewal ✦ No foreign transcation fees |
FM Mini Review: This is a very weak offer considering the hefty annual fee. $450 Annual Fee Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Big spend bonus: 10K miles on anniversary with $35K in purchases, 5K miles on anniversary with $15K in purchases Noteworthy perks: 5% off Korean Air flights (cardholder+companion) 2X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ $120 Global Entry / TSA Pre-Check credit ✦ Discount coupon for $100 off Korean Air ticket ✦ Two $25 coupons for Korean Air in-flight duty free purchases |
$95 Annual Fee Earning rate: 2X miles on Korean Air, Gas Stations, Dining Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: 5% off Korean Air flight (cardholder+companion) 1X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ 2,000 bonus points upon renewal ✦ No foreign transcation fees |
FM Mini Review: Useful for its 5% categories, but you can do better for all other spend. No Annual Fee 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. |
No Annual Fee Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Gas: 3% Phone: 3% Office: 3% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. Big spend bonus: Annual bonus of 25% of your prior year's cash rewards, up to $250, will post after your anniversary date. Noteworthy perks: 25% annual bonus based on your pior year's cash rewards, up to $250. 0% APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR |
FM Mini Review: Nice welcome bonus. Useful for its 3% categories, but you can do much better for spend outside of those categories. No Annual Fee Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% Card Info: Visa World Elite issued by USB. This card imposes foreign transaction fees. Noteworthy perks: Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks. |
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). No Annual Fee Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services Card Info: Amex Credit Card issued by Wells. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services 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) ✦ Transfer points to select airline & hotel programs |
FM Mini Review: On its own, this is a decent, no-annual fee 2% cash back card. However, when paired with the Autograph or Autograph Journey, those points become transferable to travel partners, making the uncapped 2x earnings much more appealing. No Annual Fee Earning rate: 2x everywhere Base: 2% Card Info: Mastercard World Elite issued by Wells. This card imposes foreign transaction fees. Noteworthy perks: Points can be combined with Autograph or Autograph Journey cards and then be transferred to select airline & hotel programs ✦ Baggage Delay Reimbursement |
FM Mini Review: This could be a good fit for those who spend a lot in the card's 4X categories. No Annual Fee Earning rate: 4X self-care (gym memberships, at spas / massage parlors, and barber shops / salons) ✦ 4X sports, recreation, and entertainment ✦ 4X "planet-friendly purchases" like EV charging stations, riding public transportation, and purchasing select second hand and vintage ✦ 1X everywhere else Base: 1% Other: 4% Card Info: Mastercard World Elite issued by Wells. This card imposes foreign transaction fees. Noteworthy perks: Cellular Telephone Protection |
$95 Annual Fee Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: $50 annual statement credit with $50 minimum airline purchase ✦ Trip cancellation / interruption protection ✦ Cell phone protection ($25 deductible, $1000 max per claim) ✦ Transfer points to select airline & hotel programs |
No Annual Fee Earning rate: 5X gas, grocery, drugstore for 6 months Base: 1X (1.5%) Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees. Big spend bonus: With $50K spend, points become worth 1.75 cents each towards airfare Noteworthy perks: Points worth 1.5 cents each towards airfare` Points worth 1 cent each for most other redemption See also: A card I wrongly ignored |
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). No Annual Fee Earning rate: 5X gas, grocery, drugstore for 6 months Base: 1X (1.5%) Card Info: Visa issued by Wells. This card has no foreign currency conversion fees. |
FM Mini Review: You must have a Wells Fargo checking or savings account that has been open for at least 12 months in order to apply online No Annual Fee Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more. Base: 1.5% Card Info: Visa issued by Wells. This card has no foreign currency conversion fees. |
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. No Annual Fee 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 Base: 1.5X (2.25%) Card Info: Visa issued by Wells. This card imposes foreign transaction fees. |
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). No Annual Fee Base: 2% Card Info: Visa issued by Wells. This card imposes foreign transaction fees. |
FM Mini Review: Most people would be better off with a fee-free 2% cash back card like the Citi Double Cash. No Annual Fee 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. Base: 0.002X (2.2%) Card Info: Visa issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Cell phone protection ($25 deductible, $600 max per claim) ✦ No foreign transaction fees |
FM Mini Review: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently No Annual Fee Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ Cell phone Protection ($25 deductible, $1000 max per claim) ✦ Trip insurance ✦ Primary rental car insurance |
FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 9x earning at Expedia could be valuable for some. $99 Annual Fee Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 2X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Gold status ✦ $100 OneKeyCash anniversary bonus ✦ $100 annual Global Entry/TSA Precheck credit ✦ Trip insurance ✦ Primary rental car insurance ✦ Cell phone Protection ($25 deductible, $1000 max per claim) |
FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status No Annual Fee Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else 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) |
FM Mini Review: Worth getting for the welcome offer and keeping for the 30,000 anniversary points. The 5x categories could also be interesting for some. $95 Annual Fee Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Platinum status ✦ 30,000 bonus points each card anniversary ✦ Cell phone Protection ($25 deductible, $800 max per claim) |
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). No Annual Fee 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 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 |
But when we look at the Cash Rewards cards instead of the Travel Rewards cards, we see a different picture. Here, the consumer card generously applies the 75% bonus after category bonuses are applied, but the business card applies the bonus before category bonuses are applied. This makes the business Cash Rewards card much less interesting than it could have been (especially since the business card, unlike the consumer card, has very large caps on bonus spend):
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FM Mini Review: The Affinity Cash Rewards Visa Signature card could be really interesting for its rotating categories since the fine print indicates that it stacks on top of ordinary earnings. No Annual Fee Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $1000 in purchases per month) ✦ 2% back at restaurants, gas stations, supermarkets, Netflix, Spotify, Uber and Lyft. Base: 1% Dine: 2% Gas: 2% Grocery: 2% Other: 5% Card Info: Visa Signature issued by AFCU. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees; cell phone protection |
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. No Annual Fee 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 |
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate $350 Annual Fee Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers✦ Terms and Limitations Apply. (Rates & Fees) |
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate $350 Annual Fee Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees) |
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. $650 Annual Fee Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $120 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status. $650 Annual Fee Earning rate: 3X Delta Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ US, Caribbean, Mexico or Central America roundtrip main cabin companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or to earn an unlimited number of visits each year starting on 2/1/25, spend $75K or more on eligible purchases between 1/1/24 and 12/31/24, and each calendar year thereafter. ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants [enrollment required] ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $120 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees) See also: Delta Reserve complete guide |
FM Mini Review: Priority boarding and first checked bag free 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. $0 introductory annual fee for the first year, then $150 Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year) ✦ 2x restaurants worldwide and US takeout & delivery Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
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. $0 introductory annual fee for the first year, then $150 Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $100 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees) |
FM Mini Review: This card offers an OK welcome offer for a no annual fee card, but many/most other cards offer better return for spend. No Annual Fee Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases 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) |
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review $695 Annual Fee Earning rate: 5X flights and prepaid hotels at AmexTravel.com ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ Up to $120 Global Entry/TSA Precheck fee reimbursement.✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ $199 CLEAR fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits See also: Amex Platinum Guide |
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. $695 Annual Fee Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Up to $200 a year in statement credits for incidental fees at one qualifying airline per calendar year ✦ $200 prepaid hotel credit per calendar year valid on Fine Hotels & Resorts and The Hotel Collection bookings ✦ Up to $20 per month rebate for Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and/or The Wall Street Journal ✦ Up to $120 Global Entry/TSA Precheck fee reimbursement.✦ $15 monthly Uber or Uber Eats credit ($20 in December, use it or lose it each month) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $12.95 (+tax) monthly credit for Walmart+ monthly membership subscription credit when you pay with Platinum card ✦ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually) ✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Honors Gold status Enrollement required for some benefits. Terms Apply. (Rates & Fees) See also: Amex Platinum Guide |
FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. $325 Annual Fee Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Goldbelly, Wine.com, Five Guys, Seamless/Grubhub, The Cheesecake Factory) ✦ $10 monthly Uber or Uber Eats credit (use it or lose it each month - must select Amex card as payment method to redeem) ✦ $7 monthly Dunkin' credit ✦ $50 twice-annual Resy credit ✦ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc ✦ Enrollment required for select benefits. |
FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations. Click here for our complete card review $150 Annual Fee Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: $199 CLEAR credit annually Terms Apply. |
$95 Annual Fee Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply. Card Info: Amex Pay Over Time Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: None |
FM Mini Review: This card may be a keeper for those who use the monthly credits, but keep only if you also make good use of one or two 4X categories. Click here for our complete card review $375 Annual Fee Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. Base: 1X (1.55%) Travel: 3X (4.65%) Dine: 4X (6.2%) Gas: 4X (6.2%) Shop: 4X (6.2%) Phone: 4X (6.2%) Biz: 4X (6.2%) Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Earn up to $20 in statement credits each month for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment required. ✦ Monthly Walmart+ Membership credit after you use the card to pay for one monthly Walmart+ membership ✦ Terms Apply. (Rates & Fees) |
$250 Annual Fee Earning rate: Unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date. Pay your Minimum Payment Due by your Payment Due Date and the discount is applied to your next statement Base: 1.5% Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Terms and limitations apply. (Rates & Fees) |
FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Click here for our complete card review No Annual Fee Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases 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 |
No Annual Fee Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ✦ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ✦ 1.2X on other purchases Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Click here for our complete card review $95 Annual Fee 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. 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 |
$95 Annual Fee Earning rate: 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. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ✦ 3x points at US gas stations ✦ 1.5x points on other purchases. Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. $695 Annual Fee Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: $500 after $100K cardmember year spend Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ 1 Free Authorized User ✦ Redeem points for 1 cent each into your Morgage Stanley account ✦ $695 Annual Engagement Bonus for Platinum CashPlus accounts See also: Amex Platinum Guide |
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. No Annual Fee 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 Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Big spend bonus: $100 after $25K card membership year spend Noteworthy perks: Invest with rewards (1 point = 1 cent) |
FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations $95 Annual Fee Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit 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. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Big spend bonus: $100 after $15K card membership year spend Noteworthy perks: Terms Apply. (Rates & Fees) |
$695 Annual Fee Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $110) ✦ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year. See also: Amex Platinum Guide |
No Annual Fee Base: 1.3X (2.02%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: 30% annual relationship bonus. Terms apply. See Rates & Fees Points earned with this card are not transferable to airline miles unless you also have a premium Membership Rewards card. |
FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review No Annual Fee Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) Base: 2X (3.1%) Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
No Annual Fee Earning rate: 2% cash back as a statement credit on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply. Base: 2% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: Solid cash back option (cash back given in the form of a statement credit), especially for those who spend a lot at US Supermarkets and US gas stations $0 introductory annual fee for the first year, then $95 Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply. Base: 1% Travel: 3% Gas: 3% Grocery: 6% Shop: 3% Other: 6% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Terms Apply. (Rates & Fees) |
No Annual Fee Earning rate: ✦ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ✦ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply. Base: 1% Gas: 3% Grocery: 3% Shop: 3% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Get $7 back each month after using your Blue Cash Every Day card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle. Terms Apply. (Rates & Fees) |
FM Mini Review: Good choice for those who spend A LOT at US Supermarkets. No Annual Fee Earning rate: ✦ Up to 5% Cash Back as a statement credit at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ✦ Up to 1% Cash Back as a statement credit on other purchases. ✦ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ✦ Terms Apply. Base: 1% Grocery: 5% Other: 5% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
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. No Annual Fee 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 (excludes Google Fi) ✦ 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. |
FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories. Cash back comes in the form of astatement credit. No Annual Fee Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply. Base: 1% Travel: 3% Gas: 3% Phone: 5% Office: 5% Biz: 3% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. |
FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least twice per year. $550 Annual Fee Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Additional free night awards after $30K and $60K spend in calendar year Noteworthy perks: ✦Annual Free Night Reward every year upon renewal ✦ Free Diamond Status ✦ Up to $400 Hilton Resort Credit per calendar year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $199 CLEAR (R) Plus fee credit per calendar year ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees See also: Amex Hilton Aspire In-Depth Review |
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card. $150 Annual Fee Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases Base: 3X (1.44%) Dine: 6X (2.88%) Gas: 6X (2.88%) Grocery: 6X (2.88%) Shop: 4X (1.92%) Brand: 12X (5.76%) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: ✦ Free night award after $15K spend in calendar year ✦ Diamond elite status with $40K calendar year spend ✦ Terms apply Noteworthy perks: Free Gold status. Diamond status w/ $40K spend. ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Terms Apply. (Rates & Fees) |
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards. $195 Annual Fee Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Diamond elite status with $40K calendar year spend Noteworthy perks: ✦ Complimentary Hilton Honors Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ Complimentary National Car Rental(R) Emerald Club Executive(R) status (enroll through the link on your American Express online account) ✦ Terms Apply. (Rates & Fees) |
FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card. No Annual Fee Earning rate: ✦ 7X Hilton eligible Hilton purchases ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. 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) |
$0 introductory annual fee for the first year, then $95 Earning rate: 6X Marriott ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Marriott Gold Elite with $30K annual spend (note this threshold will increase to $35K on January 1, 2019) Noteworthy perks: 1 Free Night Award every year after your Card account anniversary up to 35K points (subject to resort fees) ✦ Receive free premium internet at Marriott properties. See also: Marriott Bonvoy Complete Guide |
FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers $650 Annual Fee Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
$125 Annual Fee Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide |
$250 Annual Fee Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend on eligible purchases. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend. No Annual Fee 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. |
No Annual Fee Earning rate: 1.5% on all eligible purchases Base: 1.5% Card Info: Amex issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: See rates & fees. |
$0 introductory annual fee for the first year, then $99 Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants 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: ✦ 2 free checked bags for primary cardholder only ✦ Priority boarding in Zone 2 ✦ MIles don't expire as long as account is open and in good standing. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card. |
$99 Annual Fee Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. 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 |
$99 Annual Fee Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else 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 |
FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile. $195 Annual Fee Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else 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 for up to 2 companions with $20K membership year spend. ✦ Earn up to 15,000 bonus Loyalty Points per status qualification period: Earn 5K bonus points at $20K spend, $40K spend, and $50K spend Noteworthy perks: $25 per day in-flight food & beverage credit ✦ First checked bag free ✦ Priority Boarding ✦ $120 Global Entry application fee credit ✦ 25% off in-flight purchases ✦ $50 wifi credit per membership year ✦ Round up purchases to earn more miles |
$99 Annual Fee Earning rate: 2X AA ✦ 1X everywhere else 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 |
$95 Annual Fee Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $99 companion certificate with $30K account year spend Noteworthy perks: ✦ First checked bag free ✦ Preferred boarding ✦ 5% bonus on miles earned the previous year after AF is paid ✦ 25% statement credit on in-flight purchases |
FM Mini Review: Even for Carnival enthusiasts, there's not much to get excited about here. No Annual Fee Earning rate: 2X Carnival ✦ 1X everywhere else Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed at 1 cent each towards Carnival purchases ✦ 0% promotional APR for 6 months on Carnival cruise bookings |
FM Mini Review: Even for HA enthusiasts, there's not much to get excited about here. No Annual Fee Earning rate: ✦ 2X Holland America ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards Holland America purchases or airfare |
FM Mini Review: Even for Princess enthusiasts, there's not much to get excited about here. No Annual Fee Earning rate: ✦ 2X Princess ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards Princess purchases, airfare or gift cards |
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. $99 Annual Fee Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else 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 |
FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one offers Group A boarding and earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers. $99 Annual Fee Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard 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 ✦ Group A boarding ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
FM Mini Review: Not bad for a fee-free airline card. No Annual Fee Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ 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. |
$89 Annual Fee Earning rate: 2X Miles & More Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Cardmembers receive a companion ticket and two complimentary Lufthansa Business Lounge vouchers after first purchase and each year after paying the annual fee |
$99 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Maintain Emirates Skywards Silver status with $20K spend per membership year (Silver status offers cardmember lounge access to Emirates Business Class lounges in Dubai only) Noteworthy perks: 25% discount when buying miles ✦ No foreign transaction fees |
$499 Annual Fee Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus miles with $30K spend per membership year ✦ Maintain Emirates Skywards Gold status with $40K spend per membership year (Gold status offers cardmember and guest lounge access to Emirates Business Class lounges worldwide) Noteworthy perks: Priority Pass Select ✦ Global Entry Fee Credit ✦ 25% discount when buying miles ✦ No foreign transaction fees |
$0 introductory annual fee for the first year, then $89 Earning rate: 2X Miles on all purchases Base: 2X (2%) Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Get 5% Miles back when redeeming for travel ✦ Chip wth PIN capability ✦ No foreign transaction fees ✦ Redeem miles for travel statement credits at 1 cent per point ✦ See Rates & Fees |
FM Mini Review: This card is best for earning JAL miles, which can be very valuable. If you spend exactly $15K or $25K per year, you can earn an effective 1.76 Japan Airlines miles per dollar or 2.14 miles per dollar with other transfer partners. Points can alternatively be redeemed for 1 cent each towards travel. $150 Annual Fee Earning rate: 2X Miles on all purchases Base: 2X (2%) Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: 15K bonus miles after $15K spend; 10K additional bonus miles after additional $10K spend Noteworthy perks: ✦ Chip wth PIN capability ✦ $100 Global Entry credit once every 5 years ✦ Lounge Key access (pay $27 per lounge visit) ✦ Transfer to most airline partners 1.4 Arrival to 1 airline mile (or 1.7 Arrival to 1 Japan Airlines or Air Canada Aeroplan mile). |
No Annual Fee Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Get 5% Miles back when redeeming for travel ✦ Free FICO scores ✦ Chip wth PIN capability |
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. $75 Annual Fee Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: 6,000 bonus points every account anniversary ✦ Platinum status (matches to Caesar's Total Rewards Platinum) |
No Annual Fee Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Gold status |
FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. No Annual Fee Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else 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 |
FM Mini Review: Not bad, but the business version is better. $75 Annual Fee Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else 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 |
FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. $95 Annual Fee Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. 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 |
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. No Annual Fee 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) |
No Annual Fee 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. |
FM Mini Review: Points are worth $0.01 each toward paid travel. This card might be worth it for the bonus if you know you'll make good use of BreezePoints. Long term, it only makes sense if you frequently fly Breeze Airways -- and even then, there are other cards that might be as good or better for airfare purchases depending on how you value transferable points vs airline-specific penny points. $89 Annual Fee Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) Base: 1% Dine: 2% Grocery: 2% Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: One-way bundle upgrade with every $15K in purchases Noteworthy perks: 7,500 BreezePoints after every account anniversary with $10K in cardmember year purchases ✦ Priority Boarding ✦ Complimentary Inflight WiFi |
No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: When you redeem, earn 5% back towards next redemption. e.g. Redeem $100 cash back, earn $5 bonus towards next redemption. Note that redemptions start at $50 ✦ Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply |
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 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. |
FM Mini Review: While the initial bonus is not very generous, the uncapped 3x earnings in a category of your choice (from ten options) each quarter could make this card interesting. No Annual Fee Earning rate: Choose one of ten categories for 3x and one for 2x each quarter, then 1x everywhere else. Must choose 3x and 2x categories before each quarter starts or all purchases will default to 1x. You may select your categories as early as the first day of the preceeding quarter. Bonus categories are not capped. Base: 1X (1%) Card Info: Visa issued by BBVA. This card imposes foreign transaction fees. |
FM Mini Review: This card offers a decent cash back bonus and nice ongoing perks for a card with no annual fee. While the 1.5% earnings rate is not special, the card may be appealing in situations where you anticipate price protection or travel protections being useful. No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Visa issued by BECU. This card has no foreign currency conversion fees. Noteworthy perks: Price protection (up to $500 per claim / $2500 per year) ✦ Lost and delayed baggage protection ✦ Trip cancellation / interruption protection |
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears $95 Annual Fee Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ Priority Boarding ✦ 10% bonus on earned miles with eligible BOA account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears $95 Annual Fee Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend. Noteworthy perks: ✦ Free first checked bag for you and up to six other passengers on your reservation ✦ 10% bonus on earned miles with eligible BOA business account ✦ During 2024, earn 4K EQMs/$10K spend, up to a maximum of 20K EQMs. |
$90 Annual Fee Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. 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). |
FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review $89 Annual Fee Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous year Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years. |
$49 Annual Fee Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend; |
$99 Annual Fee Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: ✦ 10,000 points awarded annually ✦ $100 annual rebate on Asiana ticket purchases ✦ 2 lounge invitations every year on card anniversary |
$80 Annual Fee Earning rate: 2X Asiana Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights. |
FM Mini Review: Best for those who stay often at Sonesta hotels $0 introductory annual fee for the first year, then $75 Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining 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 Gold (free club access or continental breakfast plus other perks) |
No Annual Fee Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center 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 |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625X (2.63%) Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 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 |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return. Base: 1.5% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards for Business banking customers |
FM Mini Review: This can be a very appealing card for the $50,000/year in 3% bonus categories...and it becomes downright sexy if you have Preferred Rewards as well. No Annual Fee Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards for Business banking customers. This means that you can earn up to 5.25% with this card! Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%. |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% Card Info: Mastercard issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Base: 1X (1%) Card Info: Visa issued by BOA. This card has no foreign currency conversion fees. |
FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else. $95 Annual Fee Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: ✦ $100 annual airline incidentals fee reimbursement ✦ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ✦ Up to 75% bonus for Preferred Rewards banking customers |
$95 Annual Fee Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status. $550 Annual Fee Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% Card Info: Visa Infinite issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual airline incidentals fee reimbursement ✦ $150 lifestyle conveniences reimbursement (streaming services, food delivery, fitness subscriptions and rideshare services) ✦ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ✦ Up to four Priority Pass Select accounts ✦ Up to 75% bonus for Preferred Rewards banking customers ✦ 20% discount when redeeming points for domestic or international airfare in any cabin class through Bank of America Travel Center or concierge |
FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status. $550 Annual Fee Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% Card Info: Visa Infinite issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual airline incidentals fee reimbursement ✦ $150 lifestyle conveniences reimbursement (streaming services, food delivery, fitness subscriptions and rideshare services) ✦ $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years ✦ Up to four Priority Pass Select accounts ✦ Up to 75% bonus for Preferred Rewards banking customers ✦ 20% discount when redeeming points for domestic or international airfare in any cabin class through Bank of America Travel Center or concierge |
No Annual Fee Earning rate: 3% back on your choice of the following: gas and EV charging, 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 |
No Annual Fee Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee 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%. Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Other: 3% Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
No Annual Fee Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% Card Info: Mastercard issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. This means that you can earn up to 5.25% with this card! Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%. |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% Card Info: Mastercard issued by BOA. This card has no foreign currency conversion fees. |
FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card. No Annual Fee Base: 0% Card Info: Mastercard Platinum issued by BOA. This card imposes foreign transaction fees. |
No Annual Fee Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75% |
No Annual Fee Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625X (2.63%) Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 2X Spirit 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 |
$0 introductory annual fee for the first year, then $79 Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else 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 |
FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity. $59 Annual Fee Earning rate: 2X everywhere Base: 2X (2.4%) Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ 5K bonus miles when you spend $10K annually and pay your annual fee Noteworthy perks: Zone 2 priority boarding |
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. No Annual Fee Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. |
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. No Annual Fee Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
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. No Annual Fee Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
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. $59 Annual Fee Earning rate: 3x Allegiant ✦ 2x dining 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 |
No Annual Fee 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 Comenity. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review $95 Annual Fee Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Receive up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees |
FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, Plaza Premium lounges, and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review $395 Annual Fee Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership w/ unlimited guests (lounges only) ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review $395 Annual Fee Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights and vacation rentals booked via Capital One travel. ✦ 2X everywhere else. Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge Access ✦ Priority Pass w/ unlimited guests ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
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 No Annual Fee Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel 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 |
FM Mini Review: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Spotify. No Annual Fee Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Other: 5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction 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% Dine: 3% Grocery: 3% Other: 3% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction 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% Dine: 3% Grocery: 3% Other: 3% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: Excellent cash back card for dining and entertainment spend. $0 introductory annual fee for the first year, then $95 Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Dine: 4% Grocery: 3% Other: 4% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. $0 introductory annual fee for the first year, then $95 Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One Travel Base: 2X (2.9%) 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 ✦ No foreign transaction fees ✦ Up to $120 fee credit for TSA PreCheck® application fee or Global Entry application fee |
FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card. No Annual Fee Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One Travel Base: 1.5X (2.18%) 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 ✦ No foreign transaction fees |
FM Mini Review: A good option for business owners who prefer simple cash back rewards. $0 introductory annual fee for the first year, then $95 Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% Card Info: Visa Signature issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Note that this is a pay-in-full card, so your balance is due in full every month. $150 Annual Fee Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Big spend bonus: Spend at least $150,000 annually and get $150 annual fee refunded. Noteworthy perks: No foreign transaction fees ✦ No preset spending limit |
FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus card. No Annual Fee Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
FM Mini Review: By means of "Rocket Points" this is really a 1.25%-5% cashback card. Could be useful to build some cash towards a down payment, lackluster otherwise. $95 Annual Fee Earning rate: 5x Rocket Points everywhere Base: 1.25% Card Info: Visa Signature issued by Celtic. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards down payment or closing costs at 5% cash back value ($8,000 max per loan), towards Rocket Mortgage principal at 2% cash back value or towards statement credits at 1.25% cash back value |
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. No Annual Fee 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. |
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. No Annual Fee 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. |
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. No Annual Fee 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 welcome offer makes it worth a look. Base: 1% Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. 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 |
FM Mini Review: This card only earns 2% at gas stations, grocery stores and restaurants and 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. $49 Annual Fee Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% 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 ✦ |
FM Mini Review: Good choice for a nice intro bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe. $95 Annual Fee Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years. Noteworthy perks: Up to $600 per year in award fee rebates ✦ 10% off BA flights originating in the US. ✦ No foreign transaction fees |
FM Mini Review: Good choice for a nice intro bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year. $95 Annual Fee Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10 ✦ No foreign transaction fees |
FM Mini Review: Good choice for a nice intro bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year. $95 Annual Fee Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year. Noteworthy perks: Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland ✦ No foreign transaction fees. |
FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year. $69 Annual Fee Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Big spend bonus: If you earn 135,000 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. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year |
$99 Annual Fee Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. Card Info: Visa issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5,000 spent in purchases annually. Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year. |
$199 Annual Fee Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5K in purchases Noteworthy perks: 9000 bonus points each year upon card renewal ✦ 4 Upgraded Boardings per year when available ✦ Global Entry or TSA Pre✔ Fee Credit ✦ Up to 365 Inflight WiFi Credits ✦ 10,000 Companion Pass qualifying points each year. |
FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. $99 Annual Fee Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. |
FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. $149 Annual Fee Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 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 $5K in purchases Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year |
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. $0 introductory annual fee for the first year, then $99 Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100 ✦ Earn up to 1,000 PQPs per year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ✦ 25% back as a statement credit on United in-flight and Club Premium drink purchases |
FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. . $525 Annual Fee Earning rate: ✦ 4X United ✦ 2X dining & travel Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 10,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: ✦ United Club membership ✦ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ✦ 10% discount on saver level economy awards within the continental US and Canada ✦ Up to $120 for Global Entry, TSA Precheck or Nexus fee credit ✦ 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 |
FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership $450 Annual Fee Earning rate: ✦ 2X United ✦ 1.5X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: United Club membership ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority check-in, security screening, baggage handling, and boarding ✦ Get one year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Free 1st and 2nd checked bags ✦ Primary auto rental collision damage waiver ✦ Hertz Gold Plus Rewards® President's Circle® |
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. $0 introductory annual fee for the first year, then $95 Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 1,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: ✦ Improved economy saver award availability ✦ Free first checked bag for primary cardholder and one travel companion when you pay with the card ✦ Unlocks complimentary elite upgrades on award tickets ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year on you anniversary ✦ One year of complimentary Dash Pass (Must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ Up to $120 Global Entry,TSA Pre-check or Nexus credit ✦ 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card |
$250 Annual Fee Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn up to 6,000 PQPs per calendar year: 25 PQPs per $500 spend Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year - terms apply ✦ Two 5K award flight rebates per cardmember year ✦ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your Mileage Plus number ✦ Up to $120 Global Entry, TSA PreCheck or Nexus reimbursement ✦ 25% back on United inflight or Club Premium drink purchases |
No Annual Fee Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting 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 |
FM Mini Review: Great card for regular or frequent Air Canada flyers $95 Annual Fee Earning rate: 3X Air Canada ✦ 3X grocery stores ✦ 3X dining ✦ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Renew 25K status w/ $15K spend ✦ Status Boost w/ $50K spend ✦ Priority Reward w/ $100K, $250K, $500K, or $750K spend ✦ Free award companion for rest of calendar year and all of next with $1Million spend Noteworthy perks: Discounted award pricing ✦ Free checked bag ✦ $100 credit for NEXUS, Global Entry or TSA PreCheck every 4 years ✦ Carbon offsets on Air Canada awards ✦ Pay Yourself Back for travel at 1.25 cents per point, up to 50K points per year ✦ 10% bonus when transferring Ultimate Rewards to Aeroplan (25K max bonus/year) |
FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash Click here for our complete card review $550 Annual Fee Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: $300 Annual Travel Credit ✦ Points worth 1.5 cents each towards travel when booked through the Chase Travel(SM) Portal✦ Transfer points to airline & hotel partners ✦ Primary auto rental coverage ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry fee credit ✦ Free DashPass through 2027 See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. $95 Annual Fee Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ $10 monthly credit for non-restaurant DoorDash orders ✦ Free DashPass through 2027 ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit |
FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. No Annual Fee Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities). 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+ See also: Chase Ultimate Rewards Complete Guide |
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. No Annual Fee Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities) 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 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
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 No Annual Fee Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else 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 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
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. No Annual Fee 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+ |
FM Mini Review: Great welcome bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review No Annual Fee Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: This one should be in everyone's wallet. Incredible welcome bonus for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review No Annual Fee Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: Great card for welcome bonus and 3X categories. Also consider theInk Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. $95 Annual Fee Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners ✦ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
$0 introductory annual fee for the first year, then $95 Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners See also: Chase Ultimate Rewards Complete Guide |
FM Mini Review: This is an almost 1 to 1 copy of Capital One's Spark Cash Plus card, but the Chase card throws in 2.5% earnings on very large purchases. Unfortunately, the Chase card also has a slightly higher annual fee. The biggest disappointment about this card is that, unlike other Chase Ink cards, the rewards cannot be moved to other Chase cards to improve their value. Even though this card technically earns Ultimate Rewards points, it's best to think of it as a straight up cash back card. Click here for our complete card review $195 Annual Fee Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Travel(SM) ✦ 2% cash back on all other spend Base: 2% Other: 5% Card Info: Visa Signature Business Charge Card issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Purchase protections ✦ Cell phone protection (up to $1K per claim) ✦ Travel protections |
FM Mini Review: Great card for welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status. $95 Annual Fee Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One free Cat 1-4 night certificate after $15K spend in a calendar year. ✦ Get 2 elite qualifying night credits every time you spend $5K in purchases Noteworthy perks: ✦ Free category 1-4 night every year upon renewal ✦ Additional free category 1-4 night after $15K spend in calendar year ✦ Discoverist elite status ✦ 5 elite qualifying nights |
FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. $199 Annual Fee Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year ✦ Hyatt Leverage membership with no minimum stay requirements. |
FM Mini Review: Not much to see here for all but the most ardent Instacart fans No Annual Fee Earning rate: ✦ 5% back on instacart orders and on travel purchased through Chase Travel ✦ 2% back at gas stationes, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Dine: 2% Gas: 2% Brand: 5% Card Info: Mastercard issued by Chase. This card has no foreign currency conversion fees. |
FM Mini Review: Could be worth considering for folks who spend a lot on DoorDash and restaurants. No Annual Fee Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 2% Brand: 4% Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 12 months of free Dash Pass after $10,000 in purchases within a cardmember year. Noteworthy perks: 10% off first order each month (up to $15 per order) on convenience, grocery, alcohol, retail or dashMart ( through 12/31/24) ✦ $5 off one order each month (through 9/30/24) ✦ Trip protection ✦ Purchase protection |
No Annual Fee Earning rate: 3% restaurants and gas stations. Base: 1% Dine: 3% Gas: 3% Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. |
FM Mini Review: Those free night certificates issued before 5/1/18 are redeemable at any IHG property, but those issued after 5/1/18 are restricted to properties up to 40K per night. For only $49 per year, this still a good card to keep, but not to use for spend $49 Annual Fee Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Annual free night e-certificate good at IHG properties up to 40K points per night ✦ Automatic 10% point rebate ✦ Platinum elite status |
$99 Annual Fee Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
$99 Annual Fee Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit. No Annual Fee Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else Card Info: Mastercard World issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points after $10K in purchases and one additional purchase each calendar year ✦ Gold status after $20K in purchases and one additional purchase each calendar year. Noteworthy perks: Fourth night free on award stays ✦ 20% discount on points purchases ✦ No foreign transaction fees |
$250 Annual Fee Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
FM Mini Review: While the card is pricey, the annual free night, plus $300 in ariline fee credits, plus other perks make this card a keeper. $450 Annual Fee Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $75K spend per calendar year for Platinum elite status Noteworthy perks: ✦ Annual 85K hotel certificate upon renewal ✦ 3 club level upgrades. $100 hotel credit for each 2 night or longer stay ✦ Priority Pass Select with unlimited guests ✦ Access Sapphire Lounges for yourself and unlimited guests for free ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status See also: Marriott Bonvoy Complete Guide |
$85 Annual Fee Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 1 credit towards elite status for every $3,000 in purchases Noteworthy perks: ✦ 15 night credit towards elite status every year upon account anniversary ✦ Free category 1-5 certificate each year upon renewal |
$95 Annual Fee Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn Gold status when you spend $35K each year ✦ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: ✦ Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent See also: Marriott Bonvoy Complete Guide |
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 No Annual Fee Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ 5 nights of elite credit each year See also: Marriott Bonvoy Complete Guide |
$99 Annual Fee Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else. Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: 35K free night award each year upon renewal ✦ Gold status ✦ 15 elite night credits each calendar year ✦ Free in-room premium internet ✦ 7% discount off the standard rate for a standard room at participating hotels when you book direct (Terms and Conditions apply) See also: Marriott Bonvoy Complete Guide |
FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) $0 introductory annual fee for the first year, then $99 Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: $125 AA Flight Discount with $20K membership year spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight food and beverage purchases |
FM Mini Review: This card hardly seems worth the $50 annual fee $0 introductory annual fee for the first year, then $50 Base: 1X (1.3%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
FM Mini Review: Not bad for grocery spend if you highly value AA miles No Annual Fee Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. $0 introductory annual fee for the first year, then $99 Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 plus taxes domestic companion certificate after $30K spend Noteworthy perks: ✦ First checked bag free ✦ Priority Boarding ✦ Save 25% on inflight purchases |
FM Mini Review: Good choice for those who need Admirals Club® access and those who value the Loyalty Points boosts at 50K and 90K Loyalty Points earned. Plus, it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.) and some handy credits for Avis or Budget rentals and GrubHub. $595 Annual Fee Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: ✦ First Checked Bag Free ✦ Admirals Club® access for both primary and authorized users ✦ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ✦ Up to $120 back on eligible Avis or Budget prepaid car rentals every calendar year ✦ $10 monthly Lyft credit after you take 3 Lyft rides that calendar month ✦ 10K bonus Loyaty Points after earning 50K Loyalty points through all channels and another 10K bonus Loyalty Points after earning 90K Loyalty Points through all channels ✦ 25% savings on eligible in-flight purchases on American Airlines flights ✦ Up to $120 Global Entry or TSA PreCheck application fee credit every 4 years |
No Annual Fee Earning rate: 3x travel ✦ office supply ✦ professional services Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.) See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: The Prestige card's best in class 5X rewards for dining, airfare, and travel agencies is hard to beat. Sadly, this travel card doesn't provide any travel protections. $495 Annual Fee Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: $250 travel rebate per calendar year ✦ Free lounge access: Citi Properietary Lounges; and Priority Pass Select with free guests ✦ $100 Global Entry application fee credit ✦ 4th night free hotel benefit See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: Shop Your Way points are worth .85 cents each and can only be used towards specific gift cards and merchandise. But where this card shines is with its regular offers that start to appear after putting spend on the card, often giving 10-15x cash back or Thank You Points on various categories of purchases. It's a keeper because of it. No Annual Fee Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart Card Info: Mastercard ` issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Known for extremely generous targeted spending offers for statement credits and Thank You Points |
FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Click here for our complete card review $95 Annual Fee Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies ✦ 10X hotels, car rentals, and attractions booked through Citi Travel℠ Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline partners ✦ $100 Annual Hotel Savings Benefit ($100 off a $500+ hotel stay, excluding taxes and fees, when booked through Citi Travel) ✦ Travel protections See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: Downgrade from Prestige or Premier to this card in order to keep points alive No Annual Fee Earning rate: 2X dining and entertainment Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: The fact that you can get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year, makes this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash Click here for our complete card review No Annual Fee Earning rate: 5x on travel booked through Citi Travel℠ Portal through December 31, 2025 (excludes air travel) ✦ 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ✦ Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year. See also: Citi ThankYou Rewards Complete Guide |
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 No Annual Fee 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 Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. 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 |
FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings) $95 Annual Fee Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 10,000 anniversary bonus points after $10,000 in annual spending See also: Citi ThankYou Rewards Complete Guide |
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. No Annual Fee 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 Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. See also: Citi ThankYou Rewards Complete Guide |
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 No Annual Fee Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ or $10 statement credit when you spend $500 - $999.99 (for AT&T Wireless customers omly) See also: Citi ThankYou Rewards Complete Guide |
FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Click here for our complete card review No Annual Fee Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ For a limited time: Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/24. Base: 2X (2.9%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases ✦ 24 month extended warranty See also: Citi ThankYou Rewards Complete Guide |
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. No Annual Fee 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 Base: 1X (1.45%) Travel: 5X (7.25%) Dine: 5X (7.25%) Gas: 5X (7.25%) Grocery: 5X (7.25%) Other: 5X (7.25%) Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: 24 month extended warranty See also: Citi ThankYou Rewards Complete Guide |
No Annual Fee 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 |
No Annual Fee 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. |
$95 Annual Fee Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: 5K anniversary bonus with $10K annual spend Noteworthy perks: ✦ $100 annual air travel fee credit ✦ Expedia+ Gold status |
No Annual Fee Earning rate: 3X Expedia purchases Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees. Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year Noteworthy perks: Free Expedia+ Silver status |
No Annual Fee Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% Other: 5% Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees. |
FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back. No Annual Fee Earning rate: 1.8% back everywhere (1.9% back if you have a Citizens Quest checking account) 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 |
FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20). $400 Annual Fee Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else 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) |
FM Mini Review: 3% cashback everywhere? What's not to like? No Annual Fee Base: 3X (3%) Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees. Noteworthy perks: 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ Cell phone protection ($500 max, $50 deductible) ✦ Trip protection ✦ 66% uplift on points when redeemed for travel through Robinhood portal |
FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards. No Annual Fee Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month Base: 2X (2%) Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees. Big spend bonus: Earn 3x for all spend between $1000 and $7,500 each calendar month Noteworthy perks: Higher credit limit than most cards ✦ Virtual card numbers ✦ 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ cell phone protection ($500 max, $50 deductible) ✦ trip protection ✦ car rental coverage |
FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus. No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard issued by Comenity. This card imposes foreign transaction fees. |
FM Mini Review: Great card to get for its first year 3% cash back. No Annual Fee 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) |
No Annual Fee Earning rate: 1.5 miles per dollar for all spend. All Miles are doubled at the end of your first card membership year. Base: 3% Card Info: Discover issued by Discover. This card has no foreign currency conversion fees. |
FM Mini Review: Great card to get for its first year 3% cash back. No Annual Fee Earning rate: 1.5% cash back for all spend. Base: 1.5X (1.5%) Card Info: Discover issued by Discover. This card has no foreign currency conversion fees. Noteworthy perks: ✦ No foreign transaction fees ✦ Redeem cash back in any amount |
FM Mini Review: This is a great choice for its rotating 5% categories No Annual Fee Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2024: Amazon & Target) Base: 1% Grocery: 5% Shop: 5% Other: 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 |
FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee. No Annual Fee Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2024: Amazon.com and Target) Base: 1% Dine: 5% Shop: 5% Other: 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 |
No Annual Fee 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 |
FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. No Annual Fee Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else 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 |
$60 Annual Fee Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ✦ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals. Base: 1.5% Grocery: 2.5% Shop: 2.5% Other: 2.5% Card Info: Visa Signature issued by Evolve. This card has no foreign currency conversion fees. Noteworthy perks: Earn double rewards when you complete fitness goals (150 minutes elevated heartrate per week). Requires a fitness tracker: Apple Watch, Fitbit, or Garmin. Currently only available for iPhone users. |
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. No Annual Fee Earning rate: 5x Cavs season tickets and streaming services ✦ 3x other Cavs tickets, dining, grocery, and delivery ✦ 1x everywhere else Base: 1% Dine: 3% Grocery: 3% Brand: 5% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: 10% off at the Cavs store ✦ $5 towards Peacock Premium after $500 monthly spend |
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. No Annual Fee Earning rate: 5x rideshare and streaming services ✦ 5x bars and restaurants on match days ✦ 1x everywhere else Base: 1% Dine: 5% Other: 5% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: 10% off at the Manchester United Megastore, Red Cafe, and United Direct ✦ $5 towards Peacock Premium after $500 monthly spend |
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. No Annual Fee Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ✦ 3x at bars, restaurants, and select delivery services ✦ 1x everywhere else Base: 1% Dine: 3% Brand: 5% Other: 5% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Annual LFC International Membership for as long as card account is active (benefits include a 10% retail discount in LFC official stores and online with a maximum discount value of £75 per season year, digital matchday programmes for every Premier League home match, and access to a dedicated online Members' Area as well as discounts on Anfield Stadium Tours and food from the Boot Room Sports Café as well as an LFC pen, pin badge, and keyring upon LFC International Membership initiatio). ✦ LFCTV GO complimentary for the first year; and then with LFC International Membership, cardholders receive 50% off LFCTV GO each following year. |
FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward gift cards for Marlins gear, so this card could be a good deal for a Marlins fan. That is particularly true if you value some of the unique experiences offered by Home Run Rewards. No Annual Fee Earning rate: 5x on Marlins tickets ✦ 5% back on retail & concessions at IoanDepot Park ✦ 3x on dining, food delivery, gas and drugstores ✦ 1x on everything else Base: 1% Dine: 3% Brand: 5% Other: 3% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Transfer 10 points to 1 Home Run Reward point (Miami Marlins loyalty program, which offers some unique redemptions) |
FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward Fanatics gift cards, so this card could be a good deal for its bonus categories. No Annual Fee Earning rate: 4x gas ✦ 4x bars, restaurants, and select food delivery services ✦ 4x on Pelicans tickets ✦ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store Base: 1% Dine: 4% Gas: 4% Brand: 4% Other: 4% Card Info: Mastercard issued by FEB. This card has no foreign currency conversion fees. |
FM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios $99 Annual Fee Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else Card Info: Visa Signature issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 2,000 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Silver/oneworld Ruby status for one year |
FM Mini Review: Getting complimentary oneworld Sapphire for one year could be appealing for folks who value the Admiral's Club access. Beyond that, the card's steep annual fee will probably make this most appealing for those who actually fly Qatar regularly, especially now that there's the reward fee rebate $499 Annual Fee Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else Card Info: Vsa Infinite issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Receive 2 Qpoints for every 1,500 Avios earned ✦ Reward fee rebates when award booking taxes & fees paid with card (you must spend $15K in the first card year and $25k in subsequent years to unlock this benefit) Noteworthy perks: Complimentary Qatar Gold/oneworld Sapphire status for one year (includes access to domestic AA Admirals Clubs and Alaska Lounges) ✦ Global Entry/TSA Precheck credit ✦ Travel accident insurance ✦ Trip cancellation reimbursement ✦ Trip delay reimbursement |
FM Mini Review: The two free checked bags per year and two lounge passes could justify the annual fee, but this card isn't a clear win for most people. $79 Annual Fee Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 status mile for every 5 miles earned from spend up to 10,000 status miles from 50,000 miles earned from spend (excludes miles earned from the welcome bonus). Noteworthy perks: Preferred boarding ✦ 2 lounge passes per year to TAP lounge at Lisbon Airport ✦ Free extra checked bag twice per year ✦ 1 status mile per 5 miles earned from spend up to 10K status miles per annual qualification period |
FM Mini Review: Points are worth $0.01 each toward a statement credi No Annual Fee 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. |
FM Mini Review: This card could be worthwhile for those who fly Avianca enough to take advantage of Silver Elite benefits but not enough to earn that status. However, it isn't a great way to earn Avianca Lifemiles long-term. $99 Annual Fee Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Avianca Silver elite status |
FM Mini Review: If you were already interested in a LifeMiles+ subscription, this card might be appealing since it only costs $9 more than the cost of 12 months of the "Lite" subscription (or you can enjoy the same annual $240 in value toward higher subscription levels with a $20 monthly discount). It could be worth getting the card for the Silver Elite benefits if you would have considered buying a LifeMiles+ subscription anyway. However, for ongoing spend, it is less compelling given the fact that many transferable currency cards offer superior return on spend. $249 Annual Fee Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else Card Info: American Express issued by FEB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Avianca Silver elite status |
FM Mini Review: Not much to see here. If you're a Best Western loyalist, the Premium card is probably worth the annual fee. No Annual Fee Earning rate: 4X Best Western ✦ 2X everywhere else Card Info: Visa Signature issued by First Bank & Trust. This card has no foreign currency conversion fees. Big spend bonus: 10,000 bonus points after $5K spend in cardmember year Noteworthy perks: Complimentary Gold elite status |
FM Mini Review: Best for those who stay often at Best Western hotels and might be worth keeping in the sock drawer for the annual free night award $89 Annual Fee Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else Card Info: Visa Signature issued by First Bank & Trust. This card has no foreign currency conversion fees. Big spend bonus: Free night award after $10K spend in cardmember year Noteworthy perks: Anniversary free night award ✦ Complimentary Platinum elite status |
FM Mini Review: Effectively a 2% cashback card on bonuses categories. Outside of the welcome bonus, there's not much that's exciting here. No Annual Fee Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% Card Info: Mastercard World issued by First Tech. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere 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 See also: Amtrak Guest Rewards credit card review |
$99 Annual Fee Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. 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. Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
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. No Annual Fee 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 |
FM Mini Review: Decent welcome bonus for a 2% cash back card. No Annual Fee Earning rate: 2% everywhere Base: 2% Card Info: Visa Signature issued by FNBO. This card imposes foreign transaction fees. |
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. No Annual Fee Earning rate: 2X everywhere Base: 2% Card Info: Mastercard Credit Card issued by FNBO. This card imposes foreign transaction fees. |
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. No Annual Fee Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Card Info: Mastercard Credit Card issued by FNBO. This card has no foreign currency conversion fees. |
FM Mini Review: The MGM Rewards Mastercard won't have much to offer, except to those for whom earning tier credits on spend is appealing. No Annual Fee Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Noteworthy perks: Earns points and tier credits for spend and BetMGM deposits ✦ MGM Pearl Status |
$89 Annual Fee Earning rate: 10X at Best Western properties ✦ 2X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: 40K bonus points when you spend at least $5,000 during each 12 billing cycle period Noteworthy perks: ✦ 10% off Flexible Rate Stays ✦ Platinum Elite Status (get a free welcome snack) |
FM Mini Review: Outside of the (very) modest welcome offer, not much to see here. $69 Annual Fee Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere Card Info: Visa Signature issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points when you spend at least $10,000 during each 12 billing cycle period Noteworthy perks: 1 free premium drink per night ✦ 50% off seat selection and first bag ✦ Priority boarding |
FM Mini Review: This card offers a poor earning structure of just 1 mile per dollar and a very weak bonus compared to required spend that it just isn't worth it. $70 Annual Fee Base: 1X (1.3%) Card Info: Mastercard issued by FNBO. This card has no foreign currency conversion fees. Noteworthy perks: 10% bonus miles for every flight taken with Japan Airlines |
FM Mini Review: This card may be worth it for the welcome bonus and possibly for the annual rideshare benefit if you have an HSBC Premier checking account and can thus keep the card annual fee-free. Note that the points value is based on HSBC's stated value when redeemed for airfare via the HSBC portal. $0 introductory annual fee for the first year, then $95 Earning rate: 2x travel (includes airlines, hotels, and car rentals) Card Info: Mastercard World issued by HSBC. This card has no foreign currency conversion fees. Noteworthy perks: $50 Uber or Lyft credit annually (20% back up to $50) ✦ TSA PreCheck credit once every 5 years ✦ Complimentary Boingo Wi-Fi |
FM Mini Review: Points are worth 1.5c each when redeemed for airfare through the HSBC portal. Could be worthwhile for a welcome bonus, but not rewarding enough to justify keeping beyond the first year. $395 Annual Fee Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining Card Info: Mastercard World Elite issued by HSBC. This card has no foreign currency conversion fees. Noteworthy perks: $100 Uber or Lyft credit annually (up to $20 per ride, up to $100 per year) ✦ $100 annual air travel credit (reimburses tickets, seat upgrades, baggage fees, or in-flight purchases) ✦ LoungeKey membership and 2 free lounge visits per year ✦ Global Entry or TSA PreCheck credit ✦ Complimentary Boingo Wi-Fi |
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. No Annual Fee 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. |
FM Mini Review: Meh. There's better ways to earn Turkish Miles. $99 Annual Fee Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else Card Info: Visa Signature issued by Imprint. This card has no foreign currency conversion fees. |
FM Mini Review: Might be appealing for cash back bonus hunters who can make use of the 5% and 10% bonus categories, but the $200 monthly limit on earned cash back rewards could be annoying to track. $0 introductory annual fee for the first year, then $95 Earning rate: 2.5%, 5%, or 10% back at select retailers ✦ 1.5% everywhere else ✦ Note a monthly limit of $200 in earned rewards. Base: 1.5% Card Info: Visa Signature issued by M1. This card has no foreign currency conversion fees. Noteworthy perks: As much as 10% back in rewards at select retailers. Note that cash back rewards are limited to $200 back per calendar month. |
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. No Annual Fee 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. |
FM Mini Review: Meh. Points are only worth about 0.85 cents each. I recommended this card when it used to be fee-free, but not for $95 per year. $95 Annual Fee Earning rate: 4X Travel for PenFed Honors Advantage Members ✦ 3X travel otherwise ✦ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members. Card Info: Visa Signature issued by PenFed. This card has no foreign currency conversion fees. Noteworthy perks: $100 Domestic Airline Fee Credit ✦ $120 Global Entry credit ✦ Priority Pass Membership ($32 per visit) |
FM Mini Review: A decent-ish no annual fee card, given the 5x and 3x categories. Points are are only worth .85 cents each, so really the 5x is 4.25x and the 3x is 2.55x. There's probably better options out there. No Annual Fee Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else. Card Info: Visa Signature issued by PenFed. This card has no foreign currency conversion fees. |
FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is good, but due to the annual fee, you can do better after the first year. $0 introductory annual fee for the first year, then $85 Earning rate: 2X everywhere Base: 2X (2%) Card Info: Visa Signature issued by PNC. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile (or for a statement credit at a value of 0.5 cents per mile) |
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. No Annual Fee Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) Card Info: Visa issued by PNC. This card imposes foreign transaction fees. Noteworthy perks: Cell phone protection |
FM Mini Review: While the headline is 3% back for a year, the bonus itself is an extra 1.5% back on up to $20K in purchases for the first year. That's certainly not a bad return on otherwise unbonused spend, but many other cards on the market that offer even moderately good welcome bonuses offer greater net return with significantly less spend. No Annual Fee Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard World issued by Santander. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
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. No Annual Fee 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 |
No Annual Fee 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. |
$95 Annual Fee Earning rate: ✦ 2X Cathay Pacific ✦ 1.5X dining ✦ 1.5X purchases outside of the US ✦ 1X everywhere else Card Info: Visa Signature issued by Synchrony. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary green tier membership in the Marco Polo Club for first year of card membership |
FM Mini Review: Excellent cash back card for PayPal spend. No Annual Fee Earning rate: 3% cash back when you check out with PayPal ✦ 1.5% cash back everywhere else Base: 2% Brand: 3% Card Info: Mastercard Signature issued by Synchrony. This card imposes foreign transaction fees. |
FM Mini Review: Excellent cash back card for everyday spend with no foreign transaction fee. No Annual 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. |
FM Mini Review: The Tier Points and annual 3rd night free at Virgin Hotels might be useful for some, especially with the anniversary bonus...but it's more "meh" than "yeah" for most of us. $99 Annual Fee Earning rate: 3X Virgin Atlantic, Virgin Hotels and Virgin Voyages ✦ 2X dining, at grocery stores, on select streaming services and for EV charging ✦ 1X everywhere else Card Info: Mastercard Signature issued by Synchrony. This card has no foreign currency conversion fees. Big spend bonus: Spend $15k in a calendar year to choose one or $30k to choose two of: voucher for companion seat or cabin upgrade; one free night or suite upgrade at Virgin Hotels up to $300 Bar Tab credit or Blue Extras perks package on Virgin Voyages Noteworthy perks: 25 Tier Points for each $2,500 in eligible purchases (max 50 Tier Points per month) ✦ 3rd night free at participating Virgin Hotel once/year ✦ 5,000 point yearly anniversary bonus |
No Annual Fee Earning rate: Earn Verizon Dollars: 4% grocery, gas, dining and Verizon purchases (exlcudes monthly bill) ✦ 1% everywhere else 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. |
$0 introductory annual fee for the first year, then $95 Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
$0 introductory annual fee for the first year, then $89 Earning rate: 3X travel & dining Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% Card Info: Visa issued by TD. This card has no foreign currency conversion fees. |
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. No Annual Fee Base: 1X (1.5%) Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees. Noteworthy perks: Travel and purchase protection |
FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) $495 Annual Fee Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $250 annual airline fee credit for selected domestic airline ✦ 12 Gogo inflight wifi passes ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary car rental collision and theft insurance coverage ✦ Travel accident insurance, emergency medical evacuation coverage, lost luggage, trip delay, trip cancellation ✦ No foreign transaction fees |
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless. No Annual Fee Base: 1X (1.5%) Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees. Noteworthy perks: Primary rental car coverage for business rentals ✦ Travel accident insurance ✦ Delayed and lost luggage coverage ✦ Extended warranty ✦ Return protection |
FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) $550 Annual Fee Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Card Info: Visa Infinite issued by UBS. This card has no foreign currency conversion fees. Big spend bonus: Up to $500 credit towards airport club day pass or annual airport club membership after $50K calendar year spend. Noteworthy perks: Priority Pass Select ✦ $350 annual airline fee credit for selected domestic airline ✦ $100 towards Global Entry or TSA Pre√ ✦ Primary rental car coverage for business rentals ✦ Travel accident insurance, emergency medical evacuation coverage, delayed & lost luggage, trip delay, trip interuption, trip cancellation ✦ Price protection, event ticket protection, return protection, extended warranty, purchase protection ✦ No foreign transaction fees |
FM Mini Review: The annual fee kills the value here $150 Annual Fee Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1% Base: 2% Card Info: Visa Signature issued by UBS. This card has no foreign currency conversion fees. Noteworthy perks: Purchase security ✦ extended warranty ✦ Return protection ✦ Travel accident insurance ✦ Delayed and lost luggage coverage ✦ Primary collision and damage waiver coverage on rental cars for business |
FM Mini Review: Since the points are worth 1c each, this card isn't terribly rewarding for ongoing spend. Note that points can not be combined with the Altitude Reserve. $0 introductory annual fee for the first year, then $95 Earning rate: 2x on top two categories where you spend the most each month. Base: 1% Other: 2% Card Info: Visa Signature Business issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Earn 2x in the two categories in which you spend the most each month. Full list of categories can be found here. |
FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend. $0 introductory annual fee for the first year, then $55 Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). Base: 1X (0.71%) Travel: 2X (1.42%) Gas: 2X (1.42%) Phone: 2X (1.42%) Office: 2X (1.42%) Other: 2X (1.42%) Card Info: Visa Business issued by USB. This card has no foreign currency conversion fees. Big spend bonus: $55 credit with $24K spend per cardmember year Noteworthy perks: $25 airline fee credit when points are redeemed for flights |
FM Mini Review: This is a decent choice for uncapped 3% rewards at grocery stores. Otherwise this card is not exciting. $0 introductory annual fee for the first year, then $49 Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). Base: 1X (0.71%) Travel: 2X (1.42%) Gas: 2X (1.42%) Grocery: 2X (1.42%) Phone: 2X (1.42%) Other: 2X (1.42%) Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Big spend bonus: 3,500 bonus points with $24K spend per cardmember year Noteworthy perks: $25 airline fee credit when points are redeemed for round-trip flights ✦ No foreign transaction fees |
FM Mini Review: This is a niche choice for 6% cash back at certain retailers that some may find rewarding. Otherwise this card is not particularly exciting. $0 introductory annual fee for the first year, then $95 Earning rate: 6x on first $1,500 in purchases each quarter with two retailers you choose ✦ 3x on first $1,500 in purchases per quarter on one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities) Base: 1.5% Gas: 3% Other: 6% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
FM Mini Review: I don't see much use for this card past the signup bonus. Cancel when the next annual fee comes due. $85 Annual Fee Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Card Info: Amex Credit Card issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: ✦ $25 airline fee credit when points are redeemed for round-trip flights ✦ One time TSA PreCheck or Global Entry fee credit |
FM Mini Review: With points worth 1.5 cents each towards travel, this card offers an excellent signup bonus. For ongoing use, this card is a winner for those who spend a lot on mobile payments (at 3X, rewards are worth 4.5%) Click here for our complete card review $400 Annual Fee Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments Card Info: Visa Infinite issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: $325 in travel/dining credits per membership year ✦ Points worth 1.5 cents each towards travel ✦ Real Time Mobile Rewards (redeem points at full value at time of purchase) ✦ Priority Pass Select airport lounge access (8 per year) ✦ Primary car rental coverage ✦ No foreign transaction fees ✦ Free authorized user cards |
FM Mini Review: This card offers an excellent signup bonus. For ongoing use, it's effectively a 2% cashback card that increases to 2.5% for the first $5K in mobile wallet spend per quarter. $195 Annual Fee Earning rate: 6x prepaid hotel & car rental through Altitude Rewards Center ✦ 2.5X mobile wallet payments (on up to $5,000 spend per quarter) Base: 2% Shop: 2.5% Other: 6% Card Info: Mastercard World Elite issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Real Time Mobile Rewards (redeem points at full value at time of purchase) ✦ No foreign transaction fees ✦ Free authorized user cards |
FM Mini Review: On its own, an OK cashback card with no annual fee, but becomes much more powerful if you have deposits with US Bank. No Annual Fee Base: 2% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. Noteworthy perks: Earn better cashback rates when you hold a balnce in an eligible US Bank account: $5,000-$49,999 = 2.5% total cashback; $50,000-$99,999 = 3% bonus cashback; 100,000+ = 4% cashback |
No Annual Fee Base: 2.5X (2.5%) Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
No Annual Fee Base: 3X (3%) Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
No Annual Fee Base: 4X (4%) Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
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. No Annual Fee Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Dine: 4% Gas: 2% Grocery: 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) |
FM Mini Review: This card offers decent returns on gas station and travel spend and it features no foreign transaction fees, but points are now only worth 0.8cpp. However, return on most other spend is relatively weak. No Annual Fee Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Priority Pass Select with 4 free visits ✦ Up to $100 in credits for TSA PreCheck or Global Entry ✦ Complimentary 5 GB / 15-day plans + 20% off on all other GigSky plans (international roaming) |
FM Mini Review: This card offers decent return on gas station and travel spend and it does feature no foreign transaction fees. However, the return on most other spend is relatively weak. $0 introductory annual fee for the first year, then $95 Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: $25 statement credit after every three consecutive monthly taxi or rideshare transactions paid for with your card. 4x Priority Pass lounge visits per year. |
$0 introductory annual fee for the first year, then $75 Earning rate: 2X on spending with LAN & TAM Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. 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 |
$95 Annual Fee Earning rate: 2x on Korean Air, Hotels and Dining Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: 5% off Korean Air flight (cardholder+companion) 1X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ 2,000 bonus points upon renewal ✦ No foreign transcation fees |
FM Mini Review: This is a very weak offer considering the hefty annual fee. $450 Annual Fee Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining Card Info: Visa Signature issued by USB. This card has no foreign currency conversion fees. Big spend bonus: 10K miles on anniversary with $35K in purchases, 5K miles on anniversary with $15K in purchases Noteworthy perks: 5% off Korean Air flights (cardholder+companion) 2X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ $120 Global Entry / TSA Pre-Check credit ✦ Discount coupon for $100 off Korean Air ticket ✦ Two $25 coupons for Korean Air in-flight duty free purchases |
$95 Annual Fee Earning rate: 2X miles on Korean Air, Gas Stations, Dining Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: 5% off Korean Air flight (cardholder+companion) 1X/calendar year ✦ 2 Korean Air VIP Lounge coupons each year ✦ 2,000 bonus points upon renewal ✦ No foreign transcation fees |
FM Mini Review: Useful for its 5% categories, but you can do better for all other spend. No Annual Fee 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. |
No Annual Fee Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Gas: 3% Phone: 3% Office: 3% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. Big spend bonus: Annual bonus of 25% of your prior year's cash rewards, up to $250, will post after your anniversary date. Noteworthy perks: 25% annual bonus based on your pior year's cash rewards, up to $250. 0% APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR |
FM Mini Review: Nice welcome bonus. Useful for its 3% categories, but you can do much better for spend outside of those categories. No Annual Fee Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% Card Info: Visa World Elite issued by USB. This card imposes foreign transaction fees. Noteworthy perks: Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks. |
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). No Annual Fee Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services Card Info: Amex Credit Card issued by Wells. This card has no foreign currency conversion fees. |
No Annual Fee Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services 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) ✦ Transfer points to select airline & hotel programs |
FM Mini Review: On its own, this is a decent, no-annual fee 2% cash back card. However, when paired with the Autograph or Autograph Journey, those points become transferable to travel partners, making the uncapped 2x earnings much more appealing. No Annual Fee Earning rate: 2x everywhere Base: 2% Card Info: Mastercard World Elite issued by Wells. This card imposes foreign transaction fees. Noteworthy perks: Points can be combined with Autograph or Autograph Journey cards and then be transferred to select airline & hotel programs ✦ Baggage Delay Reimbursement |
FM Mini Review: This could be a good fit for those who spend a lot in the card's 4X categories. No Annual Fee Earning rate: 4X self-care (gym memberships, at spas / massage parlors, and barber shops / salons) ✦ 4X sports, recreation, and entertainment ✦ 4X "planet-friendly purchases" like EV charging stations, riding public transportation, and purchasing select second hand and vintage ✦ 1X everywhere else Base: 1% Other: 4% Card Info: Mastercard World Elite issued by Wells. This card imposes foreign transaction fees. Noteworthy perks: Cellular Telephone Protection |
$95 Annual Fee Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: $50 annual statement credit with $50 minimum airline purchase ✦ Trip cancellation / interruption protection ✦ Cell phone protection ($25 deductible, $1000 max per claim) ✦ Transfer points to select airline & hotel programs |
No Annual Fee Earning rate: 5X gas, grocery, drugstore for 6 months Base: 1X (1.5%) Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees. Big spend bonus: With $50K spend, points become worth 1.75 cents each towards airfare Noteworthy perks: Points worth 1.5 cents each towards airfare` Points worth 1 cent each for most other redemption See also: A card I wrongly ignored |
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). No Annual Fee Earning rate: 5X gas, grocery, drugstore for 6 months Base: 1X (1.5%) Card Info: Visa issued by Wells. This card has no foreign currency conversion fees. |
FM Mini Review: You must have a Wells Fargo checking or savings account that has been open for at least 12 months in order to apply online No Annual Fee Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more. Base: 1.5% Card Info: Visa issued by Wells. This card has no foreign currency conversion fees. |
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. No Annual Fee 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 Base: 1.5X (2.25%) Card Info: Visa issued by Wells. This card imposes foreign transaction fees. |
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). No Annual Fee Base: 2% Card Info: Visa issued by Wells. This card imposes foreign transaction fees. |
FM Mini Review: Most people would be better off with a fee-free 2% cash back card like the Citi Double Cash. No Annual Fee 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. Base: 0.002X (2.2%) Card Info: Visa issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Cell phone protection ($25 deductible, $600 max per claim) ✦ No foreign transaction fees |
FM Mini Review: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently No Annual Fee Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ Cell phone Protection ($25 deductible, $1000 max per claim) ✦ Trip insurance ✦ Primary rental car insurance |
FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 9x earning at Expedia could be valuable for some. $99 Annual Fee Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 2X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Gold status ✦ $100 OneKeyCash anniversary bonus ✦ $100 annual Global Entry/TSA Precheck credit ✦ Trip insurance ✦ Primary rental car insurance ✦ Cell phone Protection ($25 deductible, $1000 max per claim) |
FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status No Annual Fee Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else 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) |
FM Mini Review: Worth getting for the welcome offer and keeping for the 30,000 anniversary points. The 5x categories could also be interesting for some. $95 Annual Fee Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Platinum status ✦ 30,000 bonus points each card anniversary ✦ Cell phone Protection ($25 deductible, $800 max per claim) |
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). No Annual Fee 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 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 |
I find it surprising that BOA would handle this so differently between their consumer and business products, but there’s nothing new about this finding. I long ago updated my post about BOA’s Business Advantage program to indicate the the Business Cash Rewards card’s bonuses were applied to the base earnings only. However, until today, our credit card database had the wrong info about this. This post is intended to get the word out in case anyone was misled by the previously inaccurate business card information. If you were misled, please accept our deepest apologies.
New: Please see update at the top of this post! Bank of America is now treating the personal and business Cash Rewards cards in the same way.
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[…] The card is more interesting if you have Preferred Rewards business status (that’s separate from the Preferred Rewards personal program), which gives you an extra 25-75% points on points earning. This means that 3x category becomes 3.75%% at the highest level (the extra 2% does not get bonused). […]
[…] BOA Platinum Honors: Different treatment for Cash Rewards vs Cash Rewards for Business […]
Pay taxes and come out ahead – what’s not to like about that?
Buy their stock (BAC) not their BS scam Citi pulled the same on me $100,000 HaHa !!
CHEERs
@Greg- I assume that even though one is Platinum Honors through Personal Accounts, that to become Platinum Honors for Business, you would have to deposit into a Business account? Thanks
Sad but true. You have to qualify for the business program via deposits in business accounts.
Something tells me the Consumer Cash Rewards card will get a lot less interesting in the near future.
With the $2500 per quarter cap, it’s already only moderately interesting in my opinion
$2,500 per card. A lot of people should be able to end up with 4 or 5 Cash Rewards cards between old Merrills, Alaskas, and MLBs.