Easy path to top tier Hyatt Status

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Update 9/29/21: Just a quick reminder that you have to apply for the World of Hyatt credit card by September 30 if you want to be able to take advantage of the double elite nights earning opportunity through the end of the year.

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If you missed the ludicrously easy path to Hyatt Globalist elite status early this year and you can qualify for a new Hyatt credit card, then you’re in luck — it’s not too late!  By combining the latest credit card offer, card spend, and Hyatt’s lower 2021 elite requirements, you can still get to top tier status easily.  That status will then last through February 2023.

a pair of feet in slippers by a fireplace

Hyatt’s latest credit card promotion makes new cardholders eligible for double tier qualifying nights on stays this year.

What are tier qualifying nights?
Tier qualifying nights are often referred to as “elite nights”. With many hotel chains, you can earn elite status by acquiring a number of tier qualifying elite nights each year. For example, Hyatt usually requires earning 30 elite nights per year to achieve mid-tier Explorist status, or 60 elite nights for top-tier Globalist status, but they’ve cut those numbers in half for 2021. Additionally, Hyatt offers “Milestone Rewards” which are perks like free lounge access, free nights, bonus points, etc. Milestone Rewards are earned within a calendar year when you achieve 20 elite nights, and every 10 elite nights after that up to 100. Read more about Hyatt elite status and Milestone Rewards in our World of Hyatt Complete Guide.

Easy path to Globalist with $15K spend

When combined with other card features and the fact that Hyatt requires only 30 elite nights this year instead of 60 to reach top tier status, the path to top tier is relatively easy:

  1. Sign up for the World of Hyatt card by 9/30/21: Get 5 elite nights automatically & qualify for double elite nights on stays in 2021.
  2. Spend $15,000 on the card before the end of the year: Earn 60,000 total points (thanks to the current welcome bonus); 6 elite nights from spend; and a category 1-4 free night certificate.
  3. Spend 10 nights at Hyatt hotels this year (including free nights booked with points or certificates): Earn 20 elite nights.
  4. With the 31 elite nights earned (as listed above): Get Globalist elite status for the rest of this year, all of 2022, and through February 2023.  Also get the 30 night Milestone reward (A category 1-4 free night certificate & 2 club access awards).

Path to Globalist with $5K spend

If you can’t spend $15K on the Hyatt credit card by the end of the year, here’s another option:

  1. Sign up for the World of Hyatt card by 9/30/21: Get 5 elite nights automatically & qualify for double elite nights on stays in 2021.
  2. Spend $5,000 on the card before the end of the year: Earn 40,000 total points (thanks to the current welcome bonus); and 2 elite nights from spend.
  3. Spend 12 nights at Hyatt hotels this year (including free nights booked with points or certificates): Earn 24 elite nights.
  4. With the 31 elite nights earned (as listed above): Get Globalist elite status for the rest of this year, all of 2022, and through February 2023. Also get the 30 night Milestone reward (A category 1-4 free night certificate & 2 club access awards).

Top tier Hyatt status: Why chase Globalist?

a kitchen with food on the counter
Breakfast at the Andaz Amsterdam Prinsengracht. Breakfast is free for Hyatt Globalist members.

In my opinion, Hyatt offers the best top-tier elite perks of any hotel chain.  Top tier Globalist elites get free upgrades including standard suiteswaived resort fees on paid nights (resort fees are waived on award nights for all members), free breakfast or club accessfree parking on award nights, and more.  Mid-tier Explorist status, meanwhile, offers very few meaningful perks.  In my opinion, Globalist status is worth a lot.  Explorist status is worth very little.

a table with plates of food and drinks
Room service breakfast at the Park Hyatt Vendome in Paris.  A number of top Hyatt properties offer free room-service breakfast as an option for Hyatt Globalists.
a patio with chairs and umbrellas
Hyatt lounges typically include a full breakfast, afternoon canapés, and evening dessert.  Often free wine and beer is available during set hours as well.  Shown here is the outdoor deck of the Grand Club at the Grand Hyatt NYC. Hyatt club access is always free for top tier Globalist elites. Those with club access awards can also get in free on points or cash stays, but not when a free night certificate is used.

Elite status requirements cut in half

For those seeking to earn Hyatt elite status in 2021, Hyatt has cut in half the requirements. Here are the 2021 requirements for each elite level:

Membership Level Elite Nights Usually Required Elite Nights Required in 2021 Key Benefits
Discoverist 10 5 2PM late check-out; Earn Hyatt points w/ AA spend
Explorist 30 15 Match to M life Gold; Room Upgrade
Globalist 60 30 Waived resort fees on all stays; Suite upgrades, 4PM late check-out; Club access or free breakfast; Free parking on award stays; Guest of Honor bookings

For those who earn status through spend at Hyatt properties, the requirements for earning status through base points has also been cut in half.  For example, in 2021 you can earn Globalist status by earning 50K base points instead of the usual 100K.  This would require $10K calendar year spend at Hyatt.  Most people will do better earning status through stays.

Double elite nights via Hyatt credit card promo

a close up of a device

The latest World of Hyatt credit card offer includes the ability to earn 2 Tier-Qualifying Night Credits for each night you stay from 8/16/21 through 12/31/21.  The ability to earn double elite nights does not apply to those who got the World of Hyatt card before the current offer (shown below) was introduced.  It also doesn’t apply to those who sign up through alternate channels such as when an offer shows up while making a Hyatt booking.  Double elite nights does apply to this offer:

Card Offer and Details
$150 cash back ⓘ Non-Affiliate
$150 cash back after $3K spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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
This card no longer features a first-year bonus.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good cash back card for everyday spend as long as you do not spend more than $20K per billing cycle (at which point a 2% card would be better). Lack of foreign transaction fees is a positive.
Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back)
Base: 2.5%
Card Info: Visa Signature issued by Alliant. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees
65k miles ⓘ Affiliate
65k after $6k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$350 Annual Fee
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
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)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
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 (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Terms and Limitations Apply. (Rates & Fees)
50K miles ⓘ Affiliate
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)
$350 Annual Fee
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
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 $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 ✦ 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 (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees)
75K miles ⓘ Affiliate
75k after $10K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
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.
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases
Base: 1X (1.3%)
Office: 1.5X (1.95%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
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 ✦ $100 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)
60K Miles ⓘ Affiliate
60K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
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.
Earning rate: 3X Delta
Base: 1X (1.3%)
Brand: 3X (3.9%)
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 ✦ 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 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 $100 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)
55k miles ⓘ Affiliate
55k after $4k spend in first 6 months. Terms and limitations apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $150
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.
Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24)
Base: 1X (1.3%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
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)
40K miles ⓘ Affiliate
40K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $150
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.
Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets
Base: 1X (1.3%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
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)
10K miles ⓘ Affiliate
10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)
No Annual Fee
Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days.
FM Mini Review: This card offers an OK welcome offer for a no annual fee card, but many/most other cards offer better return for spend.
Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)
150K points ⓘ Affiliate
150K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Alternate Offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.
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
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.
Base: 1X (1.55%)
Other: 1.5X (2.33%)
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 $120 in wireless services credits per year ($10 per month) ✦ $100 Global Entry 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. ✦ $189 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
100K Points ⓘ Non-Affiliate
100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 175K after $8k spend (referral only, expired 4/8/24)
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.
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
Base: 1X (1.55%)
Travel: 5X (7.75%)
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, SiriusXM, and/or The Wall Street Journal ✦ $15 monthly Uber or Uber Eats credit ($20 in December, use it or lose it each month) ✦ $189 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)
75K Points + 20% back at restaurants ⓘ Non-Affiliate
75K points after $6K in purchases in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back. Terms apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22]
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.
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 ✦ 1X points on other purchases. Terms apply. (Rates & Fees)
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Grocery: 4X (6.2%)
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, Milk Bar, Shake Shack, Seamless/Grubhub, Cheesecake Factory) ✦ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ✦ $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.
40K after $3K spend in first 6 months. Terms apply. See Rates & Fees
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23]
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
Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 3X (4.65%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: $189 CLEAR credit annually ✦ $100 LoungeBuddy credit annually Terms Apply.
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply.
Base: 1X (1.55%)
Travel: 2X (3.1%)
Card Info: Amex Pay Over Time Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: None
130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: (Expired 2/1/24) 130K referral offer after $10K in spend
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
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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)
This card is no longer available for new applications

(Offer Expires 12/31/2099)
$0 introductory annual fee for the first year, then $175
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of a 3X category.
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ✦ Airfare purchased directly from airlines ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ U.S. purchases for shipping ✦ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Gas: 3X (4.65%)
Biz: 3X (4.65%)
Card Info: Amex Charge Card issued by Amex. This card imposes foreign transaction fees.
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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)
10K after $1K spend in 3 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Click here for our complete card review
Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases
Base: 1X (1.55%)
Grocery: 2X (3.1%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: ✦ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ✦ Points transferrable to many airline programs (unusual feature for no-fee card) ✦ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.24% to 24.24% ✦ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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
Base: 1.2X (1.86%)
Grocery: 2.4X (3.72%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
15K after $1K spend in 3 months. Terms apply.
$95 Annual Fee
Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K after $2K in first 3 months
FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Click here for our complete card review
Earning rate: ✦ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ✦ 2x points at US gas stations ✦ 1x points on other purchases.
Base: 1X (1.55%)
Gas: 2X (3.1%)
Grocery: 3X (4.65%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: Earn 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.
Base: 1.5X (2.33%)
Gas: 3X (4.65%)
Grocery: 4.5X (6.98%)
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
125K points ⓘ Non-Affiliate
125K after $8K spend in first 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
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.
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
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
None
This card is no longer available.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: None
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.
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
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 2X (3.1%)
Shop: 2X (3.1%)
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)
$350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations
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)
80K after $8K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
This card is only available to clients that maintain an eligible Schwab brokerage account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
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
Base: 1X (1.55%)
Travel: 5X (7.75%)
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.
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Base: 1.3X (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.
15K points + 0% APR for 12 months ⓘ Affiliate
15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
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
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.
$250 back + 0% APR for 12 months ⓘ Affiliate
$250 statement credit after $3k spend within first 3 months and 0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 18.49% - 26.49% depending on creditworthiness. (Rates & 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.
$250 back ⓘ Affiliate
$250 cash back as reward dollars that can be redeemed as a statement credit after $3K spend in the first 6 months. Terms Apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
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
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)
Up to $350 back ⓘ Non-Affiliate
Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 3% 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)
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good choice for those who spend A LOT at US Supermarkets.
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.
$125 Amazon Gift Card ⓘ Affiliate
Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)
No Annual Fee
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
This card is not currently available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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.
160K Points + free night certificate ⓘ Non-Affiliate
160K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
$550 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card 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.
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.
Base: 3X (1.44%)
Travel: 7X (3.36%)
Dine: 7X (3.36%)
Brand: 14X (6.72%)
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 membership year ($200 semi-annually) ✦ $200 Flight Credit ($50 per quarter for purchases directly with airlines or via Amex Travel) ✦ $100 on-property credit w/ Aspire Card package ✦ Terms Apply. See Rates & Fees
140K points ⓘ Non-Affiliate
140K after $3K spend in 6 months. Terms apply.
$150 Annual Fee
After clicking through, be sure to select the card you want on the next page.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23]
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.
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)
175K Points ⓘ Affiliate
Limited-time offer: 175K after $8K spend in first 6 months. Terms apply.
(Offer Expires 6/5/2024)
$195 Annual Fee
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.
Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). ✦ For eligible purchases made from March 28, 2024 through June 30, 2024: 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases)
Base: 3X (1.44%)
Brand: 12X (5.76%)
Other: 5X (2.4%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Eligible purchases made through June 30, 2024 will count toward a Free Night Award after $15K spend within a calendar year and another Free Night Award after $60K spend. This benefit will no longer be available after June 30, 2024.

Diamond elite status with $40K calendar year spend
Noteworthy perks: ✦ Free Gold status. Diamond status w/ $40K spend. ✦ Up to $240 in annual credits for Hilton purchases (Up to $60 per quarter) ✦ National Car Rental Executive Status ✦ Terms Apply. (Rates & Fees)
90K after $2K spend in 6 months. Terms apply. (Rates & Fees)
No Annual Fee
After clicking through, be sure to choose the card you want on the landing page.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K + free night certificate after $2K spend in 3 months. [Expired 7/19/23]
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.
Earning rate: ✦ 7X Hilton spend ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 5X (2.4%)
Gas: 5X (2.4%)
Grocery: 5X (2.4%)
Brand: 7X (3.36%)
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)
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 6X Marriott ✦ 2X on all other eligible purchases
Base: 2X (1.6%)
Brand: 6X (4.8%)
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.
95K Points ⓘ Affiliate
95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
$650 Annual Fee
Recent better offer: 185K after $6K in first 6 momths [Expired 5/1/24]
FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
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.
Earn 3 Free Night Awards - Valued at up to 50K points each, up to 150K points total. ⓘ Affiliate
Earn three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees)
$125 Annual Fee
Recent better offer: 5x50K free night certificates after $8K in spend (expired 3/20/24)
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)
Base: 2X (1.6%)
Dine: 4X (3.2%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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)
85K Points ⓘ Affiliate
85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 155K after $5K in first 6 months [Expired 5/1/24]
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
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.
Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status
$200 Cash Back as a statement credit ⓘ Non-Affiliate
$200 statement credit after $1K in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend.
Earning rate: 1.5% on all eligible purchases
Base: 1.5%
Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees.
Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account.
$200 Cash Back as a statement credit ⓘ Friend-Referral
$200 back as a statement credit after $2K in purchases in first 6 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.
Up to 60K miles ⓘ Non-Affiliate
Up to 60K miles: 40K miles after $500 in purhcases & payment of the annual fee in the first 90 days + 20,000 miles after $2K in total purchases in first 6 months.
$89 Annual Fee
Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants
Base: 1X (0.95%)
Dine: 3X (2.85%)
Brand: 5X (4.75%)
Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: $100 discount voucher after $2,500 in annual spend.
Noteworthy perks: ✦ Keep miles from expiring with one purchase every six months. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card.
Up to 70K miles ⓘ Non-Affiliate
60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days
$99 Annual Fee
Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Office: 2X (1.5%)
Brand: 3X (2.25%)
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
70K miles after one purchase in first 90 days - must enter any 6 digit code (such as 123456) when applying
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Grocery: 2X (1.5%)
Brand: 3X (2.25%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Noteworthy perks: Two free checked bags when flight is booked through Hawaiian Airlines ✦ One time 50% off companion ticket ✦ $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary
Available by invitation only

$195 Annual Fee
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.
Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
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 ✦ $100 Global Entry application fee credit ✦ 25% off in-flight purchases ✦ $50 wifi credit per membership year ✦ Round up purchases to earn more miles
Up to 70K Miles ⓘ Friend-Referral
Up to 70K miles: 60k miles after 1st purchase and paying the annual fee within 90 days + 10K miles when you add an authorized user & they make a purchase within first 90 days.
$99 Annual Fee
Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24]
Earning rate: 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend.
Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles
Not currently available
It appears that this card is not available at this time.
$95 Annual Fee
Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days.
Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Phone: 2X (2.6%)
Office: 2X (2.6%)
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
50K miles after $1K in spend in 90 days and payment of annual fee.
$99 Annual Fee
Recent better offer: Expired 9/22: 80K after $1K spend in 90 days
FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases
Up to 60K Miles ⓘ Non-Affiliate
Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days
$99 Annual Fee
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.
Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Office: 2X (2.66%)
Brand: 6X (7.98%)
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
10K points after $1K spend in 90 days.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Not bad for a fee-free airline card.
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 3X (3.99%)
Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 tile for every $1,000 in purchases.
Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.
50K Miles after $3K spend in 90 days + payment of the annual fee
$89 Annual Fee
Recent better offer: Expired 1/1/23: 100K Miles after $3K spend in 90 days
Earning rate: 2X Miles & More
Base: 1X (1.3%)
Brand: 2X (2.6%)
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
30K Miles + 1 Year Silver status ⓘ Non-Affiliate
30K after $3K spend in 90 days
$99 Annual Fee
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
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
40K Miles + 1 Year Gold status ⓘ Non-Affiliate
40K after $3K spend in 90 days
$499 Annual Fee
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
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
This card is no longer available for new applications

$0 introductory annual fee for the first year, then $89
Recent better offer: None. This is the best we've seen.
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
This card is no longer available for new applications

$150 Annual Fee
This card is no longer available for new applications.
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.
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 longer available
This card is no longer available to new applicants
No Annual Fee
Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else
Base: 1X (1%)
Travel: 2X (2%)
Dine: 2X (2%)
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
No longer available
This card is no longer available to new applicants
$75 Annual Fee
FM Mini Review: This card is great for its signup bonus (when the 45K bonus is available). For some, the card is worth keeping for its 6,000 bonus points per year + status w/ Wyndham & Caesar's.
Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Other: 2X (1.76%)
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 longer available
This card is no longer available to new applicants
No Annual Fee
Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 3X (2.64%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees.
Noteworthy perks: Gold status
75K points after $2K spend in first 6 months
No Annual Fee
Recent better offer: None, this is best we've seen.
FM Mini Review: Sign up for the bonus. Keep for the 10% award discount.
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees.
Big spend bonus: 7,500 points each anniversary year after $15K spend
Noteworthy perks: Gold status ✦ 10% discount on free night awards ✦ Cardmember discount on paid stays ✦ No foreign transaction fees
100K Points ⓘ Non-Affiliate
100K points after $2K spend in first 6 months
$75 Annual Fee
Recent better offer: None, this is best we've seen.
FM Mini Review: Not bad, but the business version is better.
Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 4X (3.52%)
Gas: 6X (5.28%)
Grocery: 4X (3.52%)
Brand: 6X (5.28%)
Card Info: Visa Signature or Platinum issued by Barclays. This card has no foreign currency conversion fees.
Noteworthy perks: 7,500 points each anniversary year ✦ Platinum status ✦ 10% discount on free night awards ✦ Cardmember discount on paid stays ✦ No foreign transaction fees
100K Points ⓘ Non-Affiliate
50K after after $4K spend in first 90 days, additional 50K after a total of $15K spend in first year
$95 Annual Fee
Recent better offer: None, this is best we've seen.
FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper.
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
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
$100 Cash back ⓘ Non-Affiliate
$100 cash back after $500 spend in the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 10/31/22: $150 after $500 in spend
FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend.
Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not ✦ Up to $250 cashback rewards per calendar year on gift card purchases at MyGiftCardsPlus
Base: 1.25%
Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees.
Noteworthy perks: When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 1.529% cash back (otherwise, you get 1.25% back)
10K points after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants.
Base: 1%
Dine: 2%
Gas: 2%
Brand: 5%
Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees.
50K points after $2K spend in 90 days
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward 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.
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
This card is no longer available for new applications

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5% 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
$100 Cash Back ⓘ Non-Affiliate
$100 after $500 spend in 3 months
No Annual Fee
Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else
Base: 1%
Gas: 3%
Other: 3%
Card Info: Mastercard issued by Barclays. This card imposes foreign transaction fees.
$100 Cash Back ⓘ Non-Affiliate
$100 after $500 spend in 3 months
No Annual Fee
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 2%
Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees.
none
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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.
$300 Cash Back ⓘ Non-Affiliate
$300 statement credit after $3000 spend in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.
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
75K miles + Companion Fare ⓘ Non-Affiliate
75k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
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.
75K miles + Companion Fare ⓘ Non-Affiliate
75K miles + Companion Fare ($99 fare + taxes) after $4K spend in 3 months (enter any random 6-digit number for referral code)
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K after $4K in 3 months [Expired 4/23]
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
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.
None
Card is currently not available to new applicants.
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
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).
70K miles + 100XP ⓘ Non-Affiliate
70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval
$89 Annual Fee
Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that also includes a $100 statement credit.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K miles + 100XP points [Expired 9/23]
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
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
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.
This card is no longer available for new applications

$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere
Base: 1X (1.3%)
Brand: 3X (3.9%)
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;
30K miles
30K after $3K spend in 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana.
Base: 1X (1.3%)
Gas: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
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
10K miles
10K after after first purchase
$80 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X Asiana
Base: 1X (1.3%)
Brand: 2X (2.6%)
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.
65K points + $100 statement credit ⓘ Non-Affiliate
60K points and $100 statment credit after $1K spend in 90 days plus 5K points for adding an authorized user
$0 introductory annual fee for the first year, then $75
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Best for those who stay often at Sonesta hotels
Earning rate: 2X airfare, car rental and dining ✦ 3X Sonesta
Base: 1X (0.75%)
Travel: 2X (1.5%)
Brand: 3X (2.25%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: 30K bonus points with $7.5K cardmember year spend
Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks)
25K points worth $250 ⓘ Non-Affiliate
25K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (3%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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.
$200 cash bonus ⓘ Non-Affiliate
$200 cash rewards bonus after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Base: 1.5X (1.5%)
Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees.
Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers
$500 statement credit ⓘ Non-Affiliate
$500 statement credit after $5K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5% 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: 1.5X (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

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
Base: 2.625X (2.63%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
Base: 2.625X (2.63%)
Card Info: Mastercard issued by BOA. This card has no foreign currency conversion fees.
None
This card is no longer available
No Annual Fee
This card is no longer available
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Base: 1X (1%)
Card Info: Visa issued by BOA. This card has no foreign currency conversion fees.
60K after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card 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.
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
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else
Base: 2.625X (2.63%)
Travel: 3.5X (3.5%)
Dine: 3.5X (3.5%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
75K after $5K spend in 90 days
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3% back on your choice of the following: gas and EV chargng, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees.
Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
None
This card is no longer available for new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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
None
This card is not currently available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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.
$300 Cash Back ⓘ Non-Affiliate
$300 after $3000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.
Base: 0%
Card Info: Mastercard Platinum issued by BOA. This card imposes foreign transaction fees.
30K after $3K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (3%)
Card Info: 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
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 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.
10K after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X Spirit
Base: 1X (1.2%)
Brand: 2X (2.4%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: ✦ 5K bonus miles each anniversary when you spend $10K within prior year
Noteworthy perks: Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding
45K Points + $100 Voucher + $100 Statement Credit ⓘ Non-Affiliate
45K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days
$0 introductory annual fee for the first year, then $79
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else
Base: 1X (1.2%)
Dine: 2X (2.4%)
Grocery: 2X (2.4%)
Brand: 3X (3.6%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: ✦ $100 Companion Flight Voucher EACH anniversary after making at least $5,000 in purchases within the prior year Earn ✦ 1 SQP (towards elite status) for each $10 of spend
Noteworthy perks: Waived redemption fees ✦ Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding
None
This card is no longer available to new applicants
$59 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity.
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
20K after $1K spend in the first 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome bonus requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors.
Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel
Base: 1X (1%)
Travel: 2X (2%)
Brand: 3X (3%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
30K points after $1K spend in 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Base: 1X (1%)
Brand: 2X (2%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
25K points after first purchase in 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Celebrity. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Base: 1X (1%)
Brand: 2X (2%)
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
25K after $1K in first 90 days
$59 Annual Fee
Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward airfare and do not expire unless you cancel the card. If you cancel the card, you forfeit all points. Between that policy and the annual fee, this card probably isn't worth it in most scenarios.
Earning rate: 3x Allegiant ✦ 2x dining
Base: 1X (1%)
Dine: 2X (2%)
Brand: 3X (3%)
Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees.
Noteworthy perks: Priority Boarding and one free beverage every time you fly Allegiant and show your card. ✦ BOGO airfare when you use your card to buy a vacation package with at least a 4-night hotel stay or 7-day car rental on a single itinerary
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees
75K Miles + up to $200 in statement credits ⓘ Non-Affiliate
Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)
$95 Annual Fee
Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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
Earning rate: 2X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 2X (2.9%)
Other: 5X (7.25%)
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: Receive up to $100 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
75K Miles ⓘ Affiliate
75k miles after $4k spend within first 3 months. (Rates & Fees)
$395 Annual Fee
Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year
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
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights booked via Capital One travel. ✦ 2X miles everywhere else.
Base: 2X (2.9%)
Other: 10X (14.5%)
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 $100 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
150K Miles ⓘ Affiliate
Earn a one-time bonus of 150K miles after $30K spend in the first 3 months
$395 Annual Fee
Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend.
FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights booked via Capital One travel. ✦ 2X everywhere else.
Base: 2X (2.9%)
Other: 10X (14.5%)
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 $100 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
20K miles ⓘ Affiliate
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)
No Annual Fee
FM Mini Review: Decent welcome bonus for a card with no annual fee, but other cards offer better rewards for ongoing spend. Click here for our complete card review
Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 1.25X (1.81%)
Other: 5X (7.25%)
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
FM Mini Review: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Other: 5%
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees ✦ Up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
$200 Cash Back ⓘ Affiliate
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else
Base: 1%
Dine: 3%
Grocery: 3%
Other: 3%
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: Complimentary Uber One membership statement credits through 11/14/2024 ✦ No foreign transaction fees
$300 Cash Back ⓘ Non-Affiliate
Earn a one time bonus: $300 after $3K spend in 3 months from account opening
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent cash back card for dining and entertainment spend.
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
50K Miles ⓘ Affiliate
Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
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.
Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotel and rental car
bookings 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 $100 fee credit for TSA Pre✓® application fee or Global Entry application fee
50K after $4,500 spend in 3 months from account opening
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card 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.
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
No Longer Available
This card is no longer available to new applicants
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Many cards offer unlimited 2% cash back, but this is the only business card I know of that does so. This is a good option for business owners who prefer simple cash back rewards.
Earning rate: 2% everywhere
Base: 2%
Card Info: Visa Signature issued by CapOne. This card has no foreign currency conversion fees.
Noteworthy perks: No foreign transaction fees
$1200 Cash Back ⓘ Affiliate
Earn a one-time cash bonus of $1,200 after $30K spend in the first 3 months. (Rates & Fees)
$150 Annual Fee
Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months
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.
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 2%
Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.
Big spend bonus: Get $150 annual fee refunded every year you spend at least $150,000
Noteworthy perks: No foreign transaction fees ✦ No preset spending limit
$750 Cash Back ⓘ Affiliate
Earn a $750 bonus aftet you spend $6K in 3 months from account opening. (Rates & Fees)
No Annual Fee
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.
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
$200 Statement Credit ⓘ Non-Affiliate
$200 statement credit with $3k spend in the first 90 days
$95 Annual Fee
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.
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
$100 Amazon Gift Card ⓘ Affiliate
$100 Amazon gift card upon approval. Terms apply.
No Annual Fee
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases.
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 2%
Card Info: Visa Credit Card issued by Chase. This card has no foreign currency conversion fees.
Up to $100
Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.
No Annual Fee
FM Mini Review: Not as compelling as the Prime Visa Card and, if you buy enough Amazon items to be interested in it, you should probably be a Prime member anyway.
Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 3% back at Whole Foods ✦ 3% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
Card Info: Visa Credit Card issued by Chase. This card has no foreign currency conversion fees.
$150 Cash Back
$150 statement credit after $500 in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.
Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.
Base: 1%
Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion 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
$300 Cash Back ⓘ Non-Affiliate
$300 statement credit after $1000 in purchases within first 3 months
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: ✦ Redeem rewards dollars toward a statement credit for air travel (book any airline / any destination and redeem rewards dollars at a minimum of $50 in rewards dollars) ✦ Character meet & greet at a private cardmember area ✦ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com ✦
85K Avios ⓘ Affiliate
Earn 85K Avios after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 7/4/22: 100K after $5K spend
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.
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
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
85K Avios ⓘ Affiliate
Earn 85K Avios after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 7/4/22: 100K after $5K spend
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.
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
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
85K Avios ⓘ Affiliate
Earn 85K Avios after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 7/4/22: 100K after $5K spend
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.
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
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.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$69 Annual Fee
After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 75K after $3K in 3 months [Expired 12/11/23]
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.
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 2X (2.8%)
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
50K points ⓘ Affiliate
50K points after $1K spend in first 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
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 $10K 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.
80K points ⓘ Affiliate
80K after $5K spend in first 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
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.
Base: 1X (1.4%)
Travel: 3X (4.2%)
Phone: 2X (2.8%)
Biz: 2X (2.8%)
Brand: 4X (5.6%)
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.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Recent better offer: 75K points after $3K spend in the first 3 months. [Expired 12/11/23]
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.
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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
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.
50K points ⓘ Affiliate
50K points after $1K spend in the first 3 months.
$149 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
Recent better offer: 75K points after $3K spend in the first 3 months. [Expired 12/11/23]
FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper.
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.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 3X (4.2%)
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
75K Miles ⓘ Affiliate
75K miles after $5K spend in first 3 months.
$0 introductory annual fee for the first year, then $99
After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card.
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
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
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
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 12/31/24) ✦ 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
80K Miles ⓘ Affiliate
80k miles after $5k spend in first 3 months
$525 Annual Fee
This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.
Recent better offer: Expired 1/27/23: 100K after $5K spend
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. .
Earning rate: ✦ 4X United ✦ 2X dining & travel
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 4X (5.2%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Big spend bonus: Earn up to 8,000 PQPs per year: 50 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 $100 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
5K Miles + 1,000 PQP ⓘ Non-Affiliate
50K miles + 1,000 Premier Qualifying Points after $5K spend in first 3 months.
$450 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership
Earning rate: ✦ 2X United ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 2X (2.6%)
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 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 12/31/24) ✦ Free 1st and 2nd checked bags ✦ Primary auto rental collision damage waiver ✦ Hertz Gold Plus Rewards® President's Circle®
50K miles ⓘ Affiliate
60K miles after $3K spend in 3 months.
$0 introductory annual fee for the first year, then $95
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 8/11/22: 70K after $3K spend
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
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 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 12/31/24) ✦ Primary auto rental collision damage waiver ✦ Up to $100 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
60K Miles + 500 PQPs ⓘ Affiliate
60K miles and 500 PQPs after $4K spend in the first 3 months
$250 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
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 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 $100 Global Entry, TSA PreCheck or Nexus reimbursement ✦ 25% back on United inflight or Club Premium drink purchases
20K Miles ⓘ Affiliate
20K miles after $1K spend in first 3 months
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 8/11/22: 30K after $1K spend
Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Noteworthy perks: Improved economy saver award availability (only when downgraded from a card with an annual fee) ✦ No foreign exchange fees ✦ 25% back on United in-flight and Club Premium drink purchases
Up to 100K Points ⓘ Non-Affiliate
70K points after $4K spend in the first 3 months, additional 30K after $20k in TOTAL spend within first 12 months.
$95 Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great card for regular or frequent Air Canada flyers
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
Base: 1X (1.3%)
Dine: 3X (3.9%)
Grocery: 3X (3.9%)
Brand: 3X (3.9%)
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)
75K Points ⓘ Affiliate
75K after $4K spend in 3 months
$550 Annual Fee
Recent better offer: Expired 12/1/22: 80K after $4K spend
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
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)
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Other: 10X (15%)
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 collision damage waiver ✦ Priority Pass Select lounge access ✦ Up to $100 Global Entry fee credit ✦ $5 monthly DoorDash in-app credit through December 2024 ✦ Free DashPass through 2025 ✦ Earn 10X on Lyft spend✦ Free Lyft Pink All Access Memberhsip through December 2024 ✦ $15 monthly Instacart credit ✦ 12 months free Instacart+
75K points ⓘ Affiliate
75K after $4K spend in 3 months
$95 Annual Fee
Alternate Offer: There may be elevated offers available by applying in-branch
A similar offer with the first year annual fee waived may be found in-branch. YMMV.
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.
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
Base: 1X (1.5%)
Travel: 2X (3%)
Dine: 3X (4.5%)
Other: 3X (4.5%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Noteworthy perks: Primary auto rental collision damage waiver ✦ Free DashPass through 2025 ✦ Transfer points to airline & hotel partners ✦ $50 annual credit for hotel stays booked through Chase ✦ $15 quarterly Instacart credit ✦ 6 months free Instacart+
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.
Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities).
Base: 1X (1.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 month
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2024: Amazon, Hotels & Restaurants)
Base: 1X (1.5%)
Dine: 3X (4.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+
Up to 30K points / $300 cash back ⓘ Affiliate
Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back.
No Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24)
FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else
Base: 1.5X (2.25%)
Dine: 3X (4.5%)
Other: 5X (7.5%)
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+
0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card could be worth it for the welcome bonus and intro APR when offered, but since it offers no ongoing rewards it is a poor choice for ongoing spend.
Earning rate: This card does not earn ongoing rewards beyond the welcome bonus.
Base: 0%
Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.
Noteworthy perks: Get considered for a 2% APR reduction when you pay on time and spend at least $1K on card by next anniversary until APR reaches the Prime Rate plus 9.74% ✦ 3 months free Instacart+
75K points ⓘ Affiliate
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24)
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
Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025
Base: 1.5X (2.25%)
Other: 5X (7.5%)
Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.
Up to 75K points ⓘ Affiliate
35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. In addition, 10% Business Relationship bonus if you have the Ink Business Cash and a Chase Business Checking account on your first anniversary.
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
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
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
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.
100K points ⓘ Affiliate
100K after $8K spend in 3 months
$95 Annual Fee
Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement
FM Mini Review: Great card for welcome bonus and 3X categories. Also consider the annual fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere.
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
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 3X (4.5%)
Biz: 3X (4.5%)
Other: 5X (7.5%)
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
None
This card is no longer available
$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
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
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
$1,000 Cash Back ⓘ Affiliate
$1K after $10K Spend in 3 Months
$195 Annual Fee
Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account.
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
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
Up to 45K points ⓘ Non-Affiliate
Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 6 months.
$95 Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great card for welcome bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt
Base: 1X (2.1%)
Travel: 2X (4.2%)
Dine: 2X (4.2%)
Brand: 4X (8.4%)
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
60K points ⓘ Affiliate
60K after $5,000 spend in 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays.
Earning rate: ✦ 2X in the top 3 spend categories each calendar quarter through 12/31/24 (then the top 2 categories after that). 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
Base: 1X (2.1%)
Brand: 4X (8.4%)
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.
$100 Cash Back
$100 after $500 spend in 3 months
No Annual Fee
This card is believed to not be subject to Chase's 5/24 rule
Recent better offer: $200 after $500 spend in 3 months
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.
None
This card is no longer available
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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
Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants
Base: 1X (0.63%)
Dine: 2X (1.26%)
Gas: 2X (1.26%)
Grocery: 2X (1.26%)
Brand: 5X (3.15%)
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
140K Points ⓘ Affiliate
140K points after $3K spend in 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 175K after $3K in spend (expired 4/6/23)
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
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)
140K points ⓘ Affiliate
Earn 140K points after $4K spend within the first 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
Recent better offer: Up to 175K points: Earn 140K points after $4K spend within the first 3 months and an additional 35K points after a total of $7K spend with in the first 6 months [Expired 5/16/24]
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
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)
80K Points ⓘ Affiliate
80K points after $2K spend in 3 months
No Annual Fee
Recent better offer: 120K after $2K spend (expired 7/4/22)
FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit.
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
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
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
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
None
This card is no longer available
$450 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: While the card is pricey, the annual free night, plus $300 in ariline fee credits, plus other perks make this card a keeper.
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
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 ✦ $300 annual credit for airline incidentals ✦ Automatic Gold Status
None
This card is no longer available
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott.
Base: 1X (0.8%)
Travel: 2X (1.6%)
Dine: 2X (1.6%)
Brand: 5X (4%)
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
3 x 50K Free Night Certificates ⓘ Friend-Referral
Earn three 50K free night certificates after $3K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24)
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 3X (2.4%)
Gas: 3X (2.4%)
Grocery: 3X (2.4%)
Brand: 6X (4.8%)
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
30K points after $1K in the first 3 months. Terms apply.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23)
FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks
Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X travel ✦ 1X everywhere else
Base: 1X (0.8%)
Travel: 2X (1.6%)
Brand: 3X (2.4%)
Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees.
Noteworthy perks: Automatic Silver status ✦ 15 nights of elite credit each year
None
This card is no longer available
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else.
Base: 2X (1.6%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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)
75K miles after $3,500 spend in first 3 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for a great intro bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
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
None
This card is no longer available
$0 introductory annual fee for the first year, then $50
FM Mini Review: This card hardly seems worth the $50 annual fee
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
Earn 10K AA miles after $500 spend in 3 months
No Annual Fee
FM Mini Review: Not bad for grocery spend if you highly value AA miles
Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees.
Noteworthy perks: Save 25% on inflight food and beverage purchases
75K miles after $5K spend in first 5 months
$0 introductory annual fee for the first year, then $99
Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options.
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
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
100K miles after $10,000 spend in first 3 months
$595 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good 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.
Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 4X (5.2%)
Other: 10X (13%)
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 in statement credits per calendar year for car rentals booked directly with Avis or Budget ✦ Up to $120 per 12 monthly billing cycles for GrubHub purchases (up to $10 per monthly billing cycle) ✦ $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 $100 Global Entry or TSA PreCheck application fee credit every 4 years
None
This card is no longer available
No Annual Fee
This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3x travel ✦ office supply ✦ professional services
Base: 1X (1.45%)
Other: 3X (4.35%)
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.)
None
This card is no longer available
$495 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The 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.
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
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
$225 Cash Back ⓘ Non-Affiliate
$75 statement credit for every $500 spent within the first 90 days, up to $225
No Annual Fee
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.
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart
Base: 1X (1%)
Dine: 3X (3%)
Gas: 5X (5%)
Grocery: 3X (3%)
Other: 2X (2%)
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
75,000 points after $4,000 spend in 3 months
$95 Annual Fee
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
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℠
Base: 1X (1.45%)
Travel: 3X (4.35%)
Dine: 3X (4.35%)
Gas: 3X (4.35%)
Grocery: 3X (4.35%)
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
None
This card is no longer available
No Annual Fee
FM Mini Review: Downgrade from Prestige or Premier to this card in order to keep points alive
Earning rate: 2X dining and entertainment
Base: 1X (1.45%)
Dine: 2X (2.9%)
Other: 2X (2.9%)
Card Info: Mastercard World issued by Citi. This card imposes foreign transaction fees.
20K points after $1.5K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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
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
Base: 1X (1.45%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
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.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash
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
Base: 1X (1.45%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
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
None
This card is no longer available
$95 Annual Fee
This card is no longer available to new applicants.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for those who shop often online (thanks to 3X earnings)
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
Base: 1X (1.45%)
Travel: 3X (4.35%)
Shop: 3X (4.35%)
Brand: 3X (4.35%)
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
None
This card is no longer available
No Annual Fee
FM Mini Review: This card may be worth it for a welcome bonus, but it would be worth considering a product change to the Double Cash down the road..Unforunately, it seems it is no longer possible to product change to the AT&T Access More card.
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
Base: 1X (1.45%)
Travel: 2X (2.9%)
Shop: 2X (2.9%)
Brand: 2X (2.9%)
Card Info: Mastercard World issued by Citi. This card has no foreign currency conversion fees.
$100 statement credit ⓘ Non-Affiliate
$100 statement credit after $1K Spend in 3 Months
No Annual Fee
FM Mini Review: This has a good gas station bonus for a no annual fee card, but there's not much else to make it a compelling card
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 oat grocery stores ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Gas: 3X (4.35%)
Grocery: 2X (2.9%)
Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees.
Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ or $10 statement credit when you spend $500 - $999.99 (for AT&T Wireless customers omly)
$200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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
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
20K points after $1500 spend in the first 6 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months
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.
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.
No Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Earning rate: ✦ 4% gas 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 Welcome Bonus ⓘ Non-Affiliate

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
Earning rate: ✦ 4% gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Brand: 2%
Card Info: Visa Signature issued by Citi. This card has no foreign currency conversion fees.
25K points
25K after $2K spend in 3 months
$95 Annual Fee
Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment
Base: 1X (0.71%)
Dine: 2X (1.42%)
Brand: 4X (2.84%)
Other: 2X (1.42%)
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
15K points
15K after $1K spend in 3 months
No Annual Fee
Earning rate: 3X Expedia purchases
Base: 1X (0.71%)
Brand: 3X (2.13%)
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
None
This card is no longer available
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.

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back.
Earning rate: 1.8% back everywhere
Base: 1.8%
Dine: 1.8%
Gas: 1.8%
Other: 1.8%
Card Info: Mastercard World issued by Citizens. This card has no foreign currency conversion fees.
Noteworthy perks: 1.8% cash back on all purchases
No bonus at this time.
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else
Base: 1X (1.11%)
Travel: 3X (3.33%)
Dine: 3X (3.33%)
Card Info: Visa Infinite issued by CNB. This card has no foreign currency conversion fees.
Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend.
Noteworthy perks: Up to $350 a year in statement credits for airline incidental fees (as of 1/1/20) ✦ 12 Gogo In-Flight Wifi passes per card ✦ $100 Global Entry fee reimbursement ✦ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20)
No standard bonus ⓘ Friend-Referral
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards.
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
$100 Cash Back ⓘ Non-Affiliate
$100 statement credit after $500 spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus.
Earning rate: 1.5% everywhere
Base: 1.5%
Card Info: Mastercard issued by Comenity. This card imposes foreign transaction fees.
$100 + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great card to get for its first year 3% cash back.
Earning rate: 1.5 miles per dollar for all spend.
Base: 1.5%
Card Info: Discover issued by Discover. This card has no foreign currency conversion fees.
Noteworthy perks: ✦ No foreign transaction fees ✦ Redeem miles for travel or for cash back (1 cent per mile either way)

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 1.5 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.
None
This card is currently unavailable to new applicants.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great card to get for its first year 3% cash back.
Earning rate: 1.5% 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
$100 Back + First Year Double ⓘ Friend-Referral
Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a great choice for its rotating 5% categories
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q1 2024: Gas Stations & Electric Vehicle Charging Stations, Home Improvement Stores & Public Transit)
Base: 1X (1%)
Grocery: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Card Info: Discover issued by Discover. This card has no foreign currency conversion fees.
Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
$50 + First Year Double + $20/year ⓘ Friend-Referral
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Card Info: Discover issued by Discover. This card has no foreign currency conversion fees.
Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X everywhere
Base: 2%
Card Info: Visa Signature issued by Elan. This card has no foreign currency conversion fees.
Noteworthy perks: 2% cash back on all purchases

No Annual Fee
FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending.
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else
Base: 1X (1.4%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
Card Info: Mastercard World Elite issued by Emigrant. This card has no foreign currency conversion fees.
Noteworthy perks: Transfer points 1 to 1 to airline programs: Aeromexico, Air France Flying Blue, Avianca Lifemiles, Cathay Pacific Asia Miles, Emirates Skywards, JetBlue, Qantas, Singapore KrisFlyer ✦ $5K AWS credits ✦ Up to $100K AWS Activate credits ✦ Up to 50% off UPS shipments ✦ 25% off Slack for 12 months ✦ 20% Annual Zoom Subscription discount ✦ 50% Dropbox discount ✦ Up to $150 Google Ads credit ✦ 40% off first 12 months QuickBooks ✦ And many more discounts
None
This card is no longer available
$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.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with 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
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with 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
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with 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.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward a statement 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.
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)
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward Fanatics gift cards, so this card could be a good deal for its bonus categories.
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.
40K Avios
20K Avios after first transaction, then an additional 20K after $3,000 spend within the first 90 days
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Outside of the welcome offer, there's not much of a compelling reason to carry this card.
Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else
Base: 1X (1.09%)
Dine: 2X (2.18%)
Brand: 4X (4.36%)
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
Noteworthy perks: Complimentary Qatar Silver/oneworld Ruby status for one year
50K Avios + 150 Qpoints ⓘ Non-Affiliate
25K Avios after first transaction, then an additional 25K and 150 Qpoints after $5,000 spend within the first 90 days
$499 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else
Base: 1X (1.09%)
Dine: 3X (3.27%)
Brand: 5X (5.45%)
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
Noteworthy perks: Complimentary Qatar Goldr/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
Earn 40K bonus miles after $2.5K in first 3 months
$79 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The 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.
Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else
Base: 1X (1.2%)
Travel: 2X (2.4%)
Brand: 3X (3.6%)
Other: 2X (2.4%)
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
No Welcome Bonus ⓘ Non-Affiliate
This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward a statement credi
Earning rate: 5% back at at every store at every Simon Mall, Mills, or Premium Outlet in the U.S. Use your card 5 times each statement period to earn Rewards. ✦ 1% back on all other purchases.
Base: 1%
Shop: 5%
Brand: 5%
Card Info: American Express issued by FEB. This card has no foreign currency conversion fees.
$200 cash back ⓘ Non-Affiliate
20K points (worth $200) after $3K spend in the first 60 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Effectively a 2% cashback card on bonuses categories. Outside of the welcome bonus, there's not much that's exciting here.
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.
12K points after $1K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere
Base: 1X (2.56%)
Dine: 2X (5.12%)
Brand: 2X (5.12%)
Card Info: Mastercard Platinum issued by FNBO. This card imposes foreign transaction fees.
Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions. ✦ 10% rebate for onboard food & beverage purchases as a statement credit
20K points after $1K spend in the first 3 billing cycles
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
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
$200 Cash Back ⓘ Non-Affiliate
$200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent low-spend welcome bonus on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal.
Earning rate: 2% everywhere
Base: 2%
Card Info: Visa issued by FNBO. This card imposes foreign transaction fees.
Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent welcome bonus for a 2% cash back card.
Earning rate: 2% everywhere
Base: 2%
Card Info: Visa Signature issued by FNBO. This card imposes foreign transaction fees.
$200 back after $1K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 2% cashback everywhere is decent, but this card doesn't really have anything to separate it from any other 2% cashback card.
Earning rate: 2X everywhere
Base: 2X (2%)
Card Info: Mastercard Credit Card issued by FNBO. This card imposes foreign transaction fees.
0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Although this is marketed as a travel card, it's really cashback, since the rewards can be used for travel, a statement credit or an ACH transfer at the same rate. 3% back on dining, travel and gas is pretty good for a no annual-fee card, especially with no foreign transaction fees.
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Card Info: Mastercard Credit Card issued by FNBO. This card has no foreign currency conversion fees.
10K points + 10K Tier Credits ⓘ Non-Affiliate
10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.
Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else
Base: 1X (1%)
Gas: 2X (2%)
Grocery: 2X (2%)
Brand: 3X (3%)
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
80K points after $3K spend in the first 3 billing cycles
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 10X at Best Western properties ✦ 2X elsewhere
Base: 2X (1.08%)
Brand: 10X (5.4%)
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)
10K miles
10K miles after $5K spend in first 3 billing cycles with promo code SPG2020
$70 Annual Fee
Note: Basic card earns 1 mile per $2 spent and has a $20 annual fee. To earn 1 mile per $1 spent, choose the "Premium" rewards for $70 annual fee.
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.
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
35K points after $3K in 3 months
$0 introductory annual fee for the first year, then $95
Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free)
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.
Earning rate: 2x travel (includes airlines, hotels, and car rentals)
Base: 1X (1%)
Travel: 2X (2%)
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
50K after $4K spend in 3 months
$395 Annual Fee
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.
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 2X (2%)
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
$100 Statement Credit ⓘ Non-Affiliate
$100 bonus after $1K spend within the first 60 days
No Annual Fee
FM Mini Review: With most of this card's category bonuses, you can do better with other cards. If you do find a useful category and max out the $2K spend each quarter, you'll come out only $80 ahead per year compared to using a 2% cash back card.
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Card Info: Mastercard issued by Huntington. This card has no foreign currency conversion fees.
No Welcome Bonus ⓘ Non-Affiliate

$0 introductory annual fee for the first year, then $95
Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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.
$150 Cash Back ⓘ Non-Affiliate
$150 in rewards (15K points) after $1000 in purchases in first 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent welcome bonus for very low spenders and nice ongoing 4x (effectively 4%) back on dining with no annual fee, but note that rewards expire 5 years from the end of the quarter in which they are earned and there is a $25 mininum redemption threshold.
Earning rate: 4x Dining, takeout, & delivery ✦ 2x grocery stores, grocery delivery, gas station, and streaming services ✦ 1x everywhere else
Base: 1%
Dine: 4%
Gas: 2%
Grocery: 2%
Card Info: Visa Signature issued by NBT. This card imposes foreign transaction fees.
50K Points ⓘ Affiliate
50K points after $3K spend in 90 days
$95 Annual Fee
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.
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.
Base: 1.5X (1.28%)
Travel: 3X (2.55%)
Card Info: Visa Signature issued by PenFed. This card has no foreign currency conversion fees.
Noteworthy perks: $100 Domestic Airline Fee Credit ✦ $100 Global Entry credit ✦ Priority Pass Membership ($32 per visit)
15K Points ⓘ Affiliate
15K points after $1,500 spend in 90 days
No Annual Fee
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.
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else.
Base: 1.5X (1.28%)
Dine: 3X (2.55%)
Gas: 5X (4.25%)
Grocery: 3X (2.55%)
Other: 3X (2.55%)
Card Info: Visa Signature issued by PenFed. This card has no foreign currency conversion fees.
30K after $3K spend in 3 months from account opening
$0 introductory annual fee for the first year, then $85
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is 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.
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)
0% APR on balance transfers ⓘ Non-Affiliate
0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent cash back card in the three bonus categories, although the $8k annual limit in spending across those categories will be less exciting for many.
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined)
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 2X (2%)
Card Info: Visa issued by PNC. This card imposes foreign transaction fees.
Noteworthy perks: Cell phone protection
3% back for 12 months ⓘ Non-Affiliate
3% cash back for 12 months on up to $20K in purchases
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
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
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card could be a good option for someone looking for a 2% cash back Mastercard, though keep in mind that the Citi DoubleCash is a competitor that earns at the same rate while offering points which could become transferable to airline partners, whereas the SoFi credit card only earns cash back rewards.
Earning rate: 2X everywhere
Base: 2%
Card Info: Mastercard World Elite issued by SoFi. This card has no foreign currency conversion fees.
Noteworthy perks: 2% cash back on all purchases (3% for first year on up to $12k with direct deposit) ✦ no foreign transaction fees ✦ cell phone insurance
None
No Annual Fee
After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3% on your eligible top spend category ✦ 2% on your second top category ✦ 1% everywhere else ✦ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment
Base: 1%
Card Info: Visa issued by Synchrony. This card has no foreign currency conversion fees.
35K after $3K spend in 90 days
$95 Annual Fee
Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 2X Cathay Pacific ✦ 1.5X dining ✦ 1.5X purchases outside of the US ✦ 1X everywhere else
Base: 1X (1.09%)
Dine: 1.5X (1.64%)
Brand: 2X (2.18%)
Other: 1.5X (1.64%)
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
No Welcome Bonus ⓘ Non-Affiliate

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

No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent cash back card for everyday spend with no foreign transaction fee.
Earning rate: 3% cash back when you check out with PayPal ✦ 2% cash back everywhere else
Base: 2%
Brand: 3%
Card Info: Mastercard Signature issued by Synchrony. This card imposes foreign transaction fees.
Up to $200 in statement credits ⓘ Non-Affiliate
$100 credit with 5G phone offer and $100 statement credit after first purchase
within 90 days of account opening.
No Annual Fee
Earning rate: Earn Verizon Dollars: 4% grocery & gas ✦ 3% dining ✦ 2% Verizon (including monthly wireless bill) ✦ 1% everywhere else
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 4X (4%)
Brand: 2X (2%)
Card Info: Visa Signature issued by Synchrony. This card has no foreign currency conversion fees.
Noteworthy perks: $10 per month savings per line (up to 10 lines) by using card for Autopay ✦ No foreign transaction fees.
No longer available in the US

$0 introductory annual fee for the first year, then $95
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases
Base: 1X (1.3%)
Brand: 2X (2.6%)
Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees.
25K after $3K spend in first 6 billing cycles.
$0 introductory annual fee for the first year, then $89
Earning rate: 3X travel & dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees.
5% Cashback ⓘ Non-Affiliate
5% cashback for 6 months or $6K in spend
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: ✦ 3% dining ✦ 2% grocery stores
Base: 1%
Dine: 3%
Grocery: 2%
Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees.
$400 Cash Back ⓘ Non-Affiliate
$400 after $3K spend in 90 days
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.
Up to 50K points (call to apply) ⓘ Non-Affiliate
25K after $5K spend in 3 months + 25K after $50K spend in 12 months
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless.
Base: 1X (1.5%)
Card Info: Visa Signature issued by UBS. This card imposes foreign transaction fees.
Noteworthy perks: Travel and purchase protection
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $495
Bonus offer is not available to either current or previous UBS credit cardmembers
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)
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
Base: 1X (1.5%)
Travel: 3X (4.5%)
Gas: 2X (3%)
Grocery: 2X (3%)
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
Up to 50K points (call to apply) ⓘ Non-Affiliate
25K after $5K spend in 3 months + 25K after $50K spend in 12 months
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless.
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
Up to 100K points (call to apply) ⓘ Non-Affiliate
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $550
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
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)
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
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
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
$150 (call to apply) ⓘ Non-Affiliate
$150 after $5,000 spend in 3 months
$150 Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
FM Mini Review: The annual fee kills the value here
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
90K after $7500 spend in first 4 months
$0 introductory annual fee for the first year, then $95
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.
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.
None
This card is no longer available
$0 introductory annual fee for the first year, then $55
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This can be a good choice for a signup bonus, but other cards are more rewarding for spend.
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
None
This card is no longer available
$0 introductory annual fee for the first year, then $49
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a decent choice for uncapped 3% rewards at grocery stores. Otherwise this card is not exciting.
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
$250 cash back ⓘ Non-Affiliate
$250 after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a niche choice for 6% cash back at certain retailers that some may find rewarding. Otherwise this card is not particularly exciting.
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: 2%
Other: 6%
Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees.
None
$85 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: I don't see much use for this card past the signup bonus. Cancel when the next annual fee comes due.
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines
Base: 1X (1%)
Travel: 2X (2%)
Dine: 3X (3%)
Gas: 2X (2%)
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
50K after $4.5K spend in 90 days
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments
Base: 1X (1.5%)
Travel: 3X (4.5%)
Shop: 3X (4.5%)
Other: 5X (7.5%)
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
75K after $10K spend in 120 days
$195 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers 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.
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: 2X (2%)
Shop: 2.5X (2.5%)
Other: 6X (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
20K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers solid return on dining - including takeout & delivery - and no annual or foreign transaction fees. That makes it a great option for those who prefer cash back.
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services
Base: 1X (1%)
Dine: 4X (4%)
Gas: 2X (2%)
Grocery: 2X (2%)
Card Info: Visa issued by USB. This card has no foreign currency conversion fees.
Noteworthy perks: $15 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $15 credit)
50K after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers decent return on gas station and travel spend and it features no foreign transaction fees. However, return on most other spend is relatively weak.
Earning rate: 4X travel and gas stations ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Card Info: Visa issued by USB. This card has no foreign currency conversion fees.
Noteworthy perks: $30 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $30 credit) ✦ Mobile phone insurance when you pay your bill in full with the card ($25 deductible, up to $600 in coverage)
75K after $6K spend in 180 days
$0 introductory annual fee for the first year, then $95
Note that only spend on the Account Owner's card (not including purchases made on employee cards) counts toward minimum spending requirements.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers 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.
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: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Other: 5X (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.
20K miles
20K miles after first use.
$0 introductory annual fee for the first year, then $75
US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X on spending with LAN & TAM
Base: 1X (0.62%)
Brand: 2X (1.24%)
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
40K miles after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2x on Korean Air, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
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
60K miles after $5K spend in 90 days
$450 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a very weak offer considering the hefty annual fee.
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
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 ✦ $100 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
50K miles after $5K in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 2X miles on Korean Air, Gas Stations, Dining
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
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
$200 Cash Back ⓘ Non-Affiliate
$200 after $1000 spend in 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Useful for its 5% categories, but you can do better for all other spend.
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ✦ Ground Transportation ✦ Select Clothing Stores ✦ Cell Phone Providers ✦ Electronic Stores ✦ TV, Internet & Streaming Services ✦ Gyms/Fitness Centers ✦ Fast Food ✦ Sporting Goods Stores ✦ Department Stores ✦ Furniture Stores ✦ Movie Theaters. 2% Categories: Gas Stations ✦ Restaurants ✦ Grocery Stores
Base: 1%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3% back 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
$600 Cash Back ⓘ Non-Affiliate
$600 cash back after $4500 spend on the account owner's card in first 150 days
No Annual Fee
Keep in mind that only spend on the Account Owner's card counts toward minimum spending requirements, spend on employee cards does not count.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Nice welcome bonus. Useful for its 3% categories, but you can do much better for spend outside of those categories.
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.
none
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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).
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Gas: 3X (4.5%)
Other: 3X (4.5%)
Card Info: Amex Credit Card issued by Wells. This card has no foreign currency conversion fees.
20K after $1,000 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1.4%)
Travel: 3X (4.2%)
Dine: 3X (4.2%)
Gas: 3X (4.2%)
Phone: 3X (4.2%)
Other: 3X (4.2%)
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
$500 Cash Back ⓘ Non-Affiliate
$500 after $5,000 spend in first 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
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.
Earning rate: 2x everywhere
Base: 2X (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
60K after $4,000 spend in first 3 months.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else
Base: 1X (1.4%)
Travel: 3X (4.2%)
Dine: 3X (4.2%)
Other: 5X (7%)
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
None
This card is no longer available
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
None
This card is no longer available
No Annual Fee
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).
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.
None
This card is no longer available
No Annual Fee
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
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.
None
This card is no longer available.
No Annual Fee
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.
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.
$200 Cash Back ⓘ Non-Affiliate
$200 after $500 spend in the first 3 months
No Annual Fee
FM Mini Review: This card offers a competitive flat 2% back on purchases and includes good cell phone insurance for a fee-free card (up to $600 in protection with just a $25 deductible).
Base: 2X (2%)
Card Info: Visa issued by Wells. This card imposes foreign transaction fees.
None
This card is no longer available
No Annual Fee
FM Mini Review: Most people would be better off with a fee-free 2% cash back card like the Citi Double Cash.
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
40K after $1K spend in first 3 months
No Annual Fee
FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 3X (2.04%)
Grocery: 3X (2.04%)
Phone: 3X (2.04%)
Brand: 5X (3.4%)
Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees.
Noteworthy perks: Automatic Gold status ✦ Cell phone Protection ($25 deductible, $800 max per claim)
60K after $3K spend in first 3 months
$0 introductory annual fee for the first year, then $95
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.
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 5X (3.4%)
Grocery: 5X (3.4%)
Phone: 5X (3.4%)
Brand: 10X (6.8%)
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)
There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.
No Annual Fee
Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions.
FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no annual fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month).
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ✦ 3x Lyft ✦ 2x Travel ✦ 1x rent (one payment per month, up to 100,000 points per year) ✦ 1x on other purchases
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 3X (4.65%)
Other: 3X (4.65%)
Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees.
Noteworthy perks: Transfer points 1 to 1 to airline and hotel programs (including American Airlines, United, Hyatt, Aeroplan, and more) ✦ Redeem points for 1.25 cents each towards travel booked through Bilt's travel portal ✦ Cell phone insurance ✦ Primary rental car insurance ✦ Purchase protection ($10K/item, $50K/year) ✦ Travel insurance ✦ No transaction fee to pay rent and earn rewards

Elite nights from Hyatt credit card & card spend

All World of Hyatt cardholders automatically earn 5 elite nights each year.  Plus, the card offers 2 elite nights with each $5K of spend.

Milestone rewards

It’s important to understand that some of the perks that people associate with Hyatt Globalist status are actually earned with Milestone Rewards.  These are rewards that are earned when you hit different milestones of elite nights.  Suite Upgrade Awards, a free night category 1-7 certificate, and access to My Hyatt Concierge are Milestone benefits, not elite benefits.  Therefore if you earn elite status with only 30 elite nights, you won’t earn those perks.

This chart shows the details:

Elite Nights Earned Milestone Reward
20 Nights (or 35K base points)
Automatic: N/A
Pick 1: 2K Next Stay Award
2 Club Access Awards
$25 FIND Credit
30 Nights (or 50K base points)
Automatic: 1 Cat 1-4 Free Night
Pick 1: 2K Next Stay Award
2 Club Access Awards
$25 FIND Credit
40 Nights (or 65K base points)
Automatic: 1 Guest of Honor Award
Pick 1: 5K Bonus Points
1 Suite Upgrade Award
$150 FIND Credit
50 Nights (or 80K base points)
Automatic: N/A
Pick 1: 5K Bonus Points
2 Suite Upgrade Awards
$150 FIND Credit
60 Nights (or 100K base points)
Automatic: 1 Cat 1-7 Free Night
2 Suite Upgrade Awards
My Hyatt Concierge
2 Guest of Honor Awards
70, 80, 90 Nights
Automatic: 1 Guest of Honor Award
Pick 1: 10K Bonus Points
1 Suite Upgrade Award
$300 FIND Credit
100 Nights
Automatic: 1 Cat 1-7 Free Night
Pick 1: 10K Bonus Points
1 Suite Upgrade Award
Miraval Extra Night
110, 120, 130, 140 Nights
Automatic: 1 Guest of Honor Award
Pick 1: 10K Bonus Points
1 Suite Upgrade Award
Miraval Extra Night
150 Nights
Automatic: Ultimate Free Night Award
Pick 1: 10K Bonus Points
1 Suite Upgrade Award
Miraval Extra Night

Completely separate from elite status, Milestone Rewards are available to everyone and are based on the number of nights you stay in a calendar year. Most awards are valid for the rest of the calendar year in which they are selected and 14 months beyond.  The Ultimate Free Night award, Miraval Extra Night Award, and the 2K Next Stay Awards are good for 180 days.

More details about Milestone Rewards, including value estimates, can be found here.

 

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73 Comments
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Ethan

Is there any way to earn Double elite night credits, if I opened my Hyatt CC in June 2020? (Besides for Andaz).

Kim

I have 40 nights for 2021 and have a 6 night stay coming up. Is it worth using 4 office for a day stays to achieve 2 suite certificates ?

Evan

Thanks for the detailed post. A couple of questions:

  1. If I book through Chase Ultimate Rewards travel portal to use Chase points, will I get elite nights for the stay? Will they count double?
  2. If a Globalist friend books a points stay for me and designates me as Guest of Honor, do I get the elite nights for the stay? Will they count double?
Athar

Greg, I recently completed a 6 night stay (all paid with points), I am yet to receive the double night credit. Do you know how long that takes? Also, are free nights eligible for the double night credit?

Thanks,

Steve

Hi Greg – to this point, when they do double the nights (after the delay, let’s say they don’t credit until January), will they still push it back to 2021 for status building purposes?

Stannis

If you had the card earlier this year and got the 5 nights, then closed the card and later opened this one, will you get another 5 nights?

rdover1

Just a validation point. I’ve had the Hyatt card but cancelled >2yr ago. I got a new one (through your links!) and booked a 10 night stay at an obscure (cheap) off-brand Hyatt property as a mattress run.
I hit the remainder of $15k spend with a plastiq promo (1.75% fees during September) and I’m on 29 nights (Explorist), 60k points, 1 free 1-4 Category Night and just waiting for my October bank statement for the last spend based nights to post (= Globalist) plus a 2nd free night.

Thanks!

Sam

is the double elite nights only if you’ve never had the card before? or does it work if you’re approved for the card then you’ll get the double elite nights?

Stuck in America

Would you recommend getting the card purely to chase Globalist status IF I don’t plan on traveling internationally for most or all of 2022? It would also require a mattress run of 2 – 3 nights before the end of 2021. Not sure if it’s worth it or if I should just wait for the old, better, 60k Hyatt offer to return.

ny ar

Any idea in order to get the 2x nights do you need the card in hand when booking? Or only at the time of the stay? I’m waiting a bit to re-apply as I just canceled my existing Hyatt card, but also have some stays I’d like to plan next month. Wondering if I can book now without the card, but get the 2x nights if I have the card by the time of the stays.

Zach

Applied and was approved, have a few Hyatt stays coming up anyway and this will be big. Was approved 8/21 and have seen the 5 elite nights post to my account, but haven’t seen the double nights post (I stayed at a Hyatt 8/20-22). Any idea how long those will take? When I called World of Hyatt to ask they sent me over to Chase.

Scott

Wondering the same thing as have had the exact same situation. 5 Bonus nights posted quickly. Only showing credit for the 2 nights of my stay the earlier this week.

Scott

Found this in the terms and conditions
2 World of Hyatt Tier-Qualifying Night Credits for Each Stay: To be eligible for this offer you must apply and be approved for the World of Hyatt Credit Card between August 16, 2021 and September 30, 2021. You, as the primary cardmember, will receive 2 World of Hyatt Tier-Qualifying Night credits for each qualifying night you stay from August 16, 2021 until December 31, 2021. Please allow up to 8 weeks from the last day of the calendar month of your stay, for World of Hyatt Tier-Qualifying Night credits to be added to your World of Hyatt account. 

Zach

Saw that too. Haven’t seen anything yet, but I guess we have to wait on Chase crediting the nights…

Long

Have you guys received your double nights yet? Did stays past week and curious how long will take

Scott

My double nights posted 9/26 I had stays from the end of August throughout the month of Sept. (Not all of the stays were paid with the WoH card)

eleanor Felker

Were some of them on points?

Kiwi

Wondering if the status challenge (10 nights explorist/20 nights globalist) and the double nights can be stacked too. Any thoughts?

Last edited 2 years ago by Kiwi
Jason

Can’t Globalist status also be achieved with a $10,000 spend on room cost and accumulation of the associated 50,000 base points?

Jason

Can’t Globalist status also be achieved by acquiring 50,000 base points, which is a $10,000 spend on hotel nights?

bama

When did the 2x begin? My wife got the card earlier this year. No where can I find a clear start date for the 2x promo.

Nick Reyes

This offer was introduced on 8/16. If you got the card before that, you won’t get the double elite nights.

Brenda Burnett

I spent a good deal of time investigating this only to be told that the double nights was sent out as a special offer to corporate clients have a proximately four corporate companies and not to the general public. Can anyone confirm this?

Nick Reyes

Not sure where you got that idea. You’ll always find the best available offers on our Best Offers page. When you click through to the application page for the Hyatt card, you’ll see the double elite night offer is right at the top of the application page in large letters. It’s definitely public and the offer started on 8/16.

You can find more info on our World of Hyatt card page and when clicking through: https://frequentmiler.com/WOH/#Goto

James

For the 2x night credit, does it have to be booked through Hyatt. Seeing lower rates for Excalibur through MGM directly. Would I be able to book there and provide Hyatt number at checkin?

Nick Reyes

That’s a great question. I don’t know for sure, but if I were a betting man I’d place at wager on that working. I gather you’re willing to make a gamble, so I’d certainly book through Excalibur. (even if you didn’t get double credit, it probably wouldn’t be worth paying the much higher rates I usually see through Hyatt as opposed to through my MGM account).

For the record, I’ve always booked MGM stays either directly through my Mlife account (much cheaper usually) or through Amex Fine Hotels & Resorts and I’ve always gotten Hyatt elite credit. Make sure to give your Hyatt number at check-in and make sure again at check-out that it is associated. From comments employees have made, I gather than once you get your Hyatt number set to your MGM profile it will come up in the system automatically but there is still a button they need to press on the screen to like activate that loyalty number for the stay. The one time I didn’t get credit I followed up with Hyatt months later and they researched it and retroactively credited me. Since MGM stays booked through MGM normally earn Hyatt elite credit, I expect it would be doubled here.

James

I am eligible for the healthcare rate, do those nights count as qualifying elite nights to get double elite night credits?