Frequent Miler's latest team challenge, Million Mile Madness, is happening now! Follow us as Greg, Nick, and Stephen compete to earn 1 Million SAS miles by flying 15 airlines before November 23rd. Who will complete the challenge with the most Speed, Affordability, and Style?
Separately, we posted about a new loyalty program named “Bilt” which is designed to offer rewards for paying rent. But Bilt isn’t the only way to earn rewards from your rent payments. Bigger and better rewards are possible, but maybe not as easy as with Bilt. Here’s a primer on the best ways to earn rewards from paying rent…
Pay Rent with a Credit Card
Bilt Rewards
Bilt Rewards offers a Mastercard credit card which allows paying rent with no fees. It’s possible to earn up to 2 points per dollar on your rent payments, but only if you also spend a considerable amount with the same card on other spend at 1 point per dollar. Rewards from paying rent are capped at 4,000 points per month. Despite that limitation, Bilt is probably the simplest option to earn rewards while paying rent. Plus, Bilt Rewards points can be transferred to a number of loyalty programs in order get even more value. American Airlines and Hyatt are two particularly notable transfer partners. AA is notable because no other transferable points program transfers to AA 1 to 1. Hyatt is notable because their points are usually worth over 1.5 cents each towards hotel stays and sometimes much more. Other transfer partners include Air Canada’s Aeroplan, Air France/KLM FlyingBlue, Cathay Pacific Asia Miles, Emirates Skywards, Hawaiian Miles, IHG Rewards, Turkish Miles & Smiles, United MileagePlus, and Virgin Atlantic Flying Club.
More details about Bilt Rewards can be found here.
Plastiq Bill Payment Service
Plastiq is a bill payment service that allows paying almost any bill with a credit card for a fee (currently 2.85%). Plastiq imposes some limits on which types of bills can be paid with different kinds of credit cards, but residential rent payments are allowed with almost any type of credit card. One exception: Capital One doesn’t allow Plastiq payments of any kind with their consumer cards, but they do allow them with their business cards.
When using a rewards credit card to make these payments, you will earn rewards as if it was a regular purchase — you will not incur cash advance fees. Plastiq does not accept prepaid cards or gift cards.
More details about Plastiq can be found here: Complete guide to Plastiq credit card payments.
Landlord Specific Options
Many landlords accept credit card payments, but usually with a fee of around 3%. In some cases, you’ll be offered a flat fee for paying by credit card. In that case, the fee as a percent of spend can be very low if your rent is fairly high.
Earn rewards through welcome bonuses
Many banks offer huge bonuses when you sign up for a new card and meet the minimum spend requirements. For example, it’s common to see an offer for 50,000 points or more after $4,000 spend in 3 months. With these big welcome bonuses, it can be well worth paying Plastiq’s 2.85% fee (or your landlord’s credit card fee, if that’s an option) in order to meet the minimum spend requirements by paying your rent via credit card.
The following list shows the best current welcome bonuses based on our estimate of first year value. First year value estimates include the value of points or other rewards earned minus the first year annual fee and minus the “cost” of the minimum spend (for various reasons, we assume a 3% cost, which is very close to Plastiq’s 2.85% fee). As you can see, rewards earned from welcome bonuses can be huge:
| Card Offer and Review |
|---|
250K points ⓘ Friend-Referral 250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)$695 Annual Fee Alternate Offer: Targeted online offer of 250K points after $15K 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 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 |
200K points ⓘ Friend-Referral 200K points after $15K 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: None. This is the best we've ever seen. 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 |
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 |
$2,000+ Cash Back ⓘ Affiliate Earn a $2K cash bonus when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.. (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. |
125K points ⓘ Non-Affiliate 125K 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] |
100K points + 10X on dining ⓘ 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. 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. |
Up to 125K points ⓘ Non-Affiliate Up to 125K points: 120K points after $2K spend in 90 days plus 5K points for adding an authorized user within first 90 days$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 |
100K points ⓘ Friend-Referral 100K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees)$325 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: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] 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. |
175K Points + free night certificate ⓘ Friend-Referral 175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. (Offer Expires 1/8/2025)$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: 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. |
90K points ⓘ Affiliate 90K after $8K spend in 3 months$95 Annual Fee Alternate Offer: There is an in-branch offer of 120K points after $8K in purchases in the first 3 months. Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome bonus and 3X categories. Also consider theInk Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. |
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo 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. 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 |
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. 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 |
60K Points ⓘ Affiliate 60K 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. Recent better offer: 60K points + $300 travel credit (Expired 11/14/24) 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. |
75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (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. Recent better offer: Expired 9/9/24: 75K after $4K spend in 3 months + $250 Capital One Travel credit in first cardholder year 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 |
60k miles ⓘ Affiliate 60K 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. |
80K Miles ⓘ Non-Affiliate 80K miles after $1K in spend in 90 days and payment of annual fee. $99 Annual Fee Note that the landing page prompts you to enter a mobile phone number to continue the application, but you can click "no thanks" to continue the application on your desktop device. 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. |
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 |
75K Points ⓘ Non-Affiliate 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 |
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. |
75K miles ⓘ Non-Affiliate 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. |
Up to 100K Points ⓘ Affiliate 75K points after $4K spend in the first 3 months and an additional 25K after spending a total fo $20K within first 12 months$95 Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). FM Mini Review: Great card for regular or frequent Air Canada flyers |
100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 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. |
100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 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. |
100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 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. |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024)$69 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. 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). 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. |
80K points ⓘ Affiliate 80K points after $5K spend within first 3 months your account is open$199 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
80K points ⓘ Non-Affiliate 80K 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. |
40K points + $400 ⓘ Friend-Referral 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024)$99 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. This card is known to be 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: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. |
70K Miles ⓘ Non-Affiliate 70K miles after one purchase within first 90 days. Use code 000150 for this offer$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. |
70K Miles ⓘ Non-Affiliate 70K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] |
70K miles + 40XP + 60XP ⓘ 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 only gives 60K miles but also includes a $150 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. 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 |
35K points ⓘ Non-Affiliate 35K points after $2K spend in the first 3 billing cycles (Offer Expires 12/4/2024)$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 |
Up to 75K miles + Companion Fare ⓘ Non-Affiliate 70k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days + additional 5K if you apply with an Alaska employee's name and id number.$95 Annual Fee Alternate Offer: There are usually better in-flight offers available that require the name and id number of an Alaska employee. 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 |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024)$149 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. This card is known to be subject to Chase's 5/24 rule. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. |
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. |
60K Points + $100 Voucher ⓘ Non-Affiliate 60K points plus $100 companion voucher after $1K spend in 90 days (enter any random five-digit number as "employee code")$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. |
165K points ⓘ Affiliate 165K points after $3K spend within the first 6 months. Terms apply. (Offer Expires 1/8/2025)$150 Annual Fee Recent better offer: (Expired 7/31/24) 130K points + free night certificate after $3K spend within the first 6 months. 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. |
140k points ⓘ Affiliate Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (expired 9/4/24) |
Limited Time Offer: 60k miles ⓘ Affiliate 60K miles after $3K spend in 3 months (Offer Expires 1/29/2025)$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. |
140K points ⓘ Affiliate Earn 1400K 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: 200K after $9k spend in 6 months (expired 11/9/24) |
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 Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule 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. |
60K points ⓘ Non-Affiliate 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. |
Limited Time Offer: 70K Miles + 500 PQPs ⓘ Affiliate 70K miles and 500 PQPs after $4K spend in the first 3 months (Offer Expires 1/29/2025)$250 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
$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 |
175K Points ⓘ Affiliate 175K after $8K spend in first 6 months. Terms apply. (Offer Expires 1/8/2025)$195 Annual Fee Recent better offer: None 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. |
125K points ⓘ Non-Affiliate Limited Time Offer: Earn 125,000 bonus points after spending $5,000 on eligible purchases within the first 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) |
60K points ⓘ Affiliate 60K points after $3K spend within first 3 months your account is open$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
50K Miles ⓘ Friend-Referral 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against 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: 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. |
$750 Cash Back ⓘ Affiliate Earn a $750 cash bonus when you spend $7,500 within the first 3 months. $0 introductory annual fee for the first year, then $95 FM Mini Review: A good option for business owners who prefer simple cash back rewards. |
$750 Cash Back ⓘ Non-Affiliate $750 cash back after $6000 spend on the account owner's card in first 150 daysNo 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. |
60K points + Free Night Certificate ⓘ Friend-Referral 60K points + 50K free night certificate after $2K 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 |
75K Points ⓘ Non-Affiliate 75K points after $2K spend in first 6 months (Offer Expires 1/8/2025)$75 Annual Fee Recent better offer: Expired 7/11/24: 100K after $2K in spend FM Mini Review: Not bad, but the business version is better. |
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. |
Up to 100K miles ⓘ Non-Affiliate Up to 100K miles: Earn 60K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months$249 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: If you were already interested in a LifeMiles+ subscription, this card might be appealing since it only costs $9 more than the cost of 12 months of the "Lite" subscription (or you can enjoy the same annual $240 in value toward higher subscription levels with a $20 monthly discount). It could be worth getting the card for the Silver Elite benefits if you would have considered buying a LifeMiles+ subscription anyway. However, for ongoing spend, it is less compelling given the fact that many transferable currency cards offer superior return on spend. |
3 Free Night Awards, valued at up to 50K points each ⓘ Affiliate 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). Resort fees & terms apply. (Rates & Fees)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) |
Up to 45K points ⓘ Non-Affiliate 30K points after $3K in spend within the first 3 months, plus an exta 1 point/dollar on up to $15K spend within first 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. Recent better offer: 5x Category 1-4 free night certificates after $15K spend within first 3 months. (Expired 10/31/24) 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. |
50K Miles ⓘ Non-Affiliate 50K miles after $2,500 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. Recent better offer: 75K miles after $3,500 spend in 3 months (ended 10/14/24) 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.) |
40K points ⓘ Friend-Referral 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 |
75K Points ⓘ Non-Affiliate 75K (worth $750 as a statement credit or deposit into eligible account) 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. |
50K miles ⓘ Affiliate 50K 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. |
Limited Time Offer: 90K Miles ⓘ Affiliate 90k miles after $5k spend in first 3 months (Offer Expires 1/29/2025)$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. . |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$550 Annual Fee Alternate Offer: 70K after $4K spend showing on some accounts when logged-in to Chase 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 |
Up to $750 Cash Back ⓘ Non-Affiliate $250 after $1,500 spend in 90 days, plus 5% cashback everywhere on up to $10K spend within the first 6 monthsNo Annual Fee |
60K points ⓘ Non-Affiliate 60K points (worth up to $600) 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. |
75K points ⓘ Non-Affiliate 75K (worth up to $750) 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. |
50K Miles ⓘ Non-Affiliate 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 |
100K Points ⓘ Non-Affiliate 100K after $3K spend in first 3 months$95 Annual Fee Alternate Offer: Choice members may be targeted for a higher offer 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. |
50K miles + Companion Fare ⓘ Non-Affiliate 50K miles + Companion Fare ($99 fare + taxes) after $3K spend in 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. 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 |
Up to 60K Avios 30K Avios after first transaction, then an additional 30K 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: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios |
50k Miles ⓘ Non-Affiliate 50k miles after spending $4,000 within the first 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
60K points ⓘ Non-Affiliate 60K (worth $600 as a deposit into eligible account or towards travel) 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. |
50K miles ⓘ Non-Affiliate 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. |
50k miles ⓘ Non-Affiliate 50K miles after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchae; maintain Gold status for 12 months with $3,000 in purchases within first 90 days$0 introductory annual fee for the first year, then $99 |
80K Points ⓘ Affiliate 80K points after $2K spend in 3 monthsNo 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. |
75K points ⓘ Non-Affiliate 75K (worth $750 as a deposit into eligible account) 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. |
$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. |
100K points ⓘ Affiliate 100K points after $2K spend within the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025)No Annual Fee After clicking through, be sure to choose the card you want on the landing page. Recent better offer: (Expired 7/31/24) 70K points + free night certificate after $2K spend within the first 6 months. 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. |
70K Points ⓘ Non-Affiliate 70K after $1K spend in first 3 monthsNo Annual Fee Alternate Offer: Choice members may be targeted for a higher offer FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status |
$500 Cash Back ⓘ Affiliate One time bonus: $500 after $4,500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Recent better offer: Expired 9/9/24: $750 Cash Back after $6k spend in 3 months 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. |
$500 statement credit ⓘ Non-Affiliate $500 statement credit after $5K spend in 90 daysNo 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. |
60K miles ⓘ Non-Affiliate 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. |
50K points ⓘ Non-Affiliate 50K points after $4K 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. |
45K Points ⓘ Non-Affiliate 45K points after $2K spend in first 6 months (Offer Expires 1/8/2025)No Annual Fee Recent better offer: Expired 7/11/24: 75K after $2K in spend FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. |
Up to 80K Points ⓘ Non-Affiliate Up to 80K points: 40K after after $4K spend in first 90 days + 40K after $15K spend in first 365 days (Offer Expires 1/8/2025)$95 Annual Fee Recent better offer: Expired 7/11/24: 100K after $15K in spend FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. |
70K miles ⓘ Affiliate 70K 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 |
$600 OneKeyCash ⓘ Non-Affiliate $600 OneKeyCash after $3K spend in first 3 months$99 Annual Fee FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 9x earning at Expedia could be valuable for some. |
Limited Time Offer: 30K Miles ⓘ Affiliate 30K miles after $1K spend in first 3 months (Offer Expires 1/29/2025)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 |
40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $3K in 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: This card could be worthwhile for those who fly Avianca enough to take advantage of Silver Elite benefits but not enough to earn that status. However, it isn't a great way to earn Avianca Lifemiles long-term. |
40K Points ⓘ Non-Affiliate 40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4)$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: The Tier Points and annual 3rd night free at Virgin Hotels might be useful for some, especially with the anniversary bonus...but it's more "meh" than "yeah" for most of us. |
40K miles ⓘ Non-Affiliate 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. |
40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $2.5K in first 90 days$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. |
80K points ⓘ Non-Affiliate 80K points after "qualifying spend" (we saw $3,000) 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: Best for those who stay often at Best Western hotels and might be worth keeping in the sock drawer for the annual free night award |
$400 OneKeyCash ⓘ Non-Affiliate $400 OneKeyCash after $1K spend in first 3 monthsNo Annual Fee FM Mini Review: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently |
$400 Cash Back ⓘ Non-Affiliate $400 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 2% at gas stations, grocery stores and restaurants and 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look. |
60K miles ⓘ Affiliate 60K 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 |
40K Miles ⓘ Non-Affiliate 40K miles after $4K spend within 90 days of account opening$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: Meh. There's better ways to earn Turkish Miles. |
$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. |
12K points ⓘ Non-Affiliate 12K points after $1K spend in the first 3 billing cyclesNo 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. |
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 |
20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthNo 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. |
20K points ⓘ Non-Affiliate $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 |
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 |
85K Points ⓘ Friend-Referral 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. |
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. |
30K Points ⓘ Non-Affiliate 30K points after $1K spend in 90 daysNo 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. |
30K Points ⓘ Non-Affiliate 30K points after $1kK 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. |
Up to 80K Avios + 150 Qpoints ⓘ Non-Affiliate 40K Avios after first transaction, then an additional 40K 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, especially now that there's the reward fee rebate |
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. |
40K Points ⓘ Non-Affiliate 40K 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. |
20K points ⓘ Non-Affiliate 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 |
20K Points ⓘ Non-Affiliate 20K points after $1500 spend in the first 6 monthsNo 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. |
85K Points ⓘ Affiliate 85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)$250 Annual Fee Recent better offer: (Expired 10/2/24) 155K points after $5K spend in the first 6 months. |
20K points ⓘ Non-Affiliate 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. |
30K points ⓘ Non-Affiliate 30K after $3K spend in 90 daysNo 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. |
75K miles ⓘ Non-Affiliate 75K miles after $7,500 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. |
25K FunPoints ⓘ Non-Affiliate 25K FunPoints after spending $500 within the first 90 days of account opening.No Annual Fee FM Mini Review: Even for Carnival enthusiasts, there's not much to get excited about here. |
$300 statement credit ⓘ Non-Affiliate $300 statement credit after $3K spend in 90 daysNo 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 can be a very appealing card for the $50,000/year in 3% bonus categories...and it becomes downright sexy if you have Preferred Rewards as well. |
$250 Cash Back ⓘ Affiliate One time bonus: $250 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
15K miles ⓘ Non-Affiliate Earn 15K AA miles after $500 spend in 3 monthsNo Annual Fee FM Mini Review: Not bad for grocery spend if you highly value AA miles |
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, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee Alternate Offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months. 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 |
25K points worth $250 ⓘ Non-Affiliate 25K after $1K spend in 90 daysNo 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. |
35K miles ⓘ Non-Affiliate 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. |
$250 back + 0% APR for 12 months ⓘ Affiliate $250 statement credit after $3k spend within first 3 months and 0% introductory APR on all eligible purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 17.74% - 25.74% depending on creditworthiness. (Rates & Fees)No Annual Fee |
40K points ⓘ Non-Affiliate 40K points after "qualifying spend" (we saw $1,500) 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 much to see here. If you're a Best Western loyalist, the Premium card is probably worth the annual fee. |
$300 Cash Back ⓘ Non-Affiliate $300 after $3000 spend in 90 daysNo 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. |
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 |
$350 back ⓘ Non-Affiliate $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 |
$225 Cash Back ⓘ Non-Affiliate $75 statement credit for every $500 spent within the first 90 days, up to $225No 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. |
$200 Cash Back ⓘ Non-Affiliate $200 after $500 spend in the first 3 monthsNo 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). |
$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 Spotify. |
$250 back ⓘ Affiliate $250 cash back as reward dollars that can be redeemed as a statement credit or via Amazon.com after $3K spend in eligible purchases within 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 |
$200 Cash Back ⓘ Non-Affiliate $200 statement credit after $500 in purchases in first 3 monthsNo 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. |
$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. |
$200 Back ⓘ Non-Affiliate $200 back after $1K spend in 3 monthsNo 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. |
25K points ⓘ Non-Affiliate 25K after $3K spend in first 6 billing cycles.$0 introductory annual fee for the first year, then $89 |
95K Points ⓘ Affiliate 95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee Recent better offer: (Expired 10/2/24) 185k points after $6K spend within the first 6 months. FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers |
$200 Cash Back as a statement credit ⓘ Non-Affiliate $200 statement credit after $1K in purchases in first 3 monthsNo 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. |
$200 cash bonus ⓘ Non-Affiliate $200 cash rewards bonus after $1K spend in 90 daysNo 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. |
$200 statement credit ⓘ Non-Affiliate $200 statement credit after $1K Spend in 3 MonthsNo 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 |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 3 monthsNo Annual Fee |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 3 monthsNo Annual Fee |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 daysNo 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. |
20K Points ⓘ Non-Affiliate 20K after $1K spend in the first 90 daysNo 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. |
$200 Amazon Gift Card ⓘ Affiliate $200 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. |
$200 Cash Back ⓘ Non-Affiliate $200 cashback after $1,000 spend within first 90 daysNo 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. |
20K points ⓘ Non-Affiliate 20K (worth $200 as a deposit into eligible account) after $1K spend in 90 daysNo 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. |
20K points ⓘ Non-Affiliate 20K (worth $200 as a deposit into eligible account or towards travel) after $1K spend in 90 daysNo 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: 50K after $2K spend in 120 days (Ended 9/9/24) FM Mini Review: This card offers decent returns on gas station and travel spend and it features no foreign transaction fees, but points are now only worth 0.8cpp. However, return on most other spend is relatively weak. |
$200 Cash Back ⓘ Non-Affiliate $200 back as a statement credit after $1000 spend in 90 daysNo 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. |
30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days$99 Annual Fee |
25K miles ⓘ Non-Affiliate 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. |
80K miles ⓘ Affiliate 80k 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. |
5K Points + $150 statement credit ⓘ Non-Affiliate 5K points after first purchases and 5K points after $500 spend in 90 daysNo 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. |
25K points ⓘ Non-Affiliate 25K points after $1,500 spend in the first 3 billing cycles$69 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 (very) modest welcome offer, not much to see here. |
50K 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 |
$200 cash back ⓘ Non-Affiliate 20K points (worth $200) after $3K spend in the first 60 daysNo 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. |
$150 Cash Back ⓘ Non-Affiliate $150 in rewards (15K points) after $1000 in purchases in first 120 daysNo 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. |
70K Miles ⓘ Affiliate Earn 70K 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. |
60K points ⓘ Non-Affiliate 60K 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. |
$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. |
10K miles ⓘ Non-Affiliate 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. |
$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. |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo 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. |
$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. |
$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 |
15K points ⓘ Friend-Referral 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. |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $500 spend in first 90 daysNo 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. |
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. |
$100 Cash back ⓘ Non-Affiliate $100 cash back after $500 spend in the first 90 daysNo 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. |
$150 cash back ⓘ Non-Affiliate $150 cash back after $3K spend in first 90 daysNo 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. |
10K Points 10K points after spending $500 within the first 90 days of account opening.No Annual Fee FM Mini Review: Even for HA enthusiasts, there's not much to get excited about here. |
10K Points 10K points after spending $500 within the first 90 days of account opening.No Annual Fee FM Mini Review: Even for Princess enthusiasts, there's not much to get excited about here. |
$100 Amazon Gift Card 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. |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 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 could be a good fit for those who spend a lot in the card's 4X categories. |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $2000 spend in first 3 monthsNo 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. |
10K points + 10K Tier Credits ⓘ Non-Affiliate 10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cyclesNo 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. |
$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. |
None ⓘ Non-Affiliate 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). |
$75 statement credit after spending $1,500 within the first three monthsNo Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco |
15K Points ⓘ Affiliate 15K points after $1,500 spend in 90 daysNo 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. |
None ⓘ Non-Affiliate 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. |
None ⓘ Non-Affiliate 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. |
Free DashPass ⓘ Non-Affiliate Receive 12 months of DashPass for free upon approvalNo 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: Could be worth considering for folks who spend a lot on DoorDash and restaurants. |
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 |
None ⓘ 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: This card isn't ordinarily worth a look with only 1.8% cash back. |
None ⓘ Non-Affiliate 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. |
None ⓘ Non-Affiliate No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. |
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 |
0% APR ⓘ Non-Affiliate 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. |
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. |
3% back for 12 months ⓘ Non-Affiliate 3% cash back for 12 months on up to $20K in purchasesNo 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. |
None ⓘ Non-Affiliate 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. |
None ⓘ Non-Affiliate NoneNo 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. |
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 PayPal spend. |
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. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offerNo 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. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offerNo 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. |
None ⓘ Non-Affiliate Currently no welcome offerNo 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, an OK cashback card with no annual fee, but becomes much more powerful if you have deposits with US Bank. |
None ⓘ Affiliate 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). |
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. |
Up to $600 ⓘ Friend-Referral 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. |
40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days$499 Annual Fee |
None ⓘ Non-Affiliate 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. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$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 |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$550 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 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) |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$495 Annual Fee 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) |
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />)
![](http://cdn.nextinsure.com/imaging/opt/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />)
![](http://cdn.nextinsure.com/imaging/opt/47dd49f9-d80b-4251-aa8e-2fbf313e6402.jpg?w=300" alt="Delta SkyMiles® Reserve American Express Card" />)
Earn spend bonuses: elite status, free nights, etc.
Many credit cards offer bonuses for meeting high spend thresholds. You can find a comprehensive list here: Best big spend bonuses. Whether or not it makes sense paying Plastiq’s fee in order to reach these thresholds depends upon how much you value elite status or other rewards earned.
Here are a few examples:
- World of Hyatt: Earn one free Cat 1-4 night certificate after $15K spend in a calendar year, plus get 2 elite qualifying night credits with each $5K of spend. $15,000 of rent paid through Plastiq would cost $427.50 in fees. If you care about elite status, that’s not a bad price for 6 elite nights, a free night, and 15,000 Hyatt points.
- Amex Delta Reserve or Delta Reserve Business: Spend $30,000, get 15,000 Medallion Qualifying Miles (towards elite status). At $60,000, $90,000, and $120,000 you’ll get another 15,000 Medallion Qualifying Miles. To help you decide if it’s worth paying fees to meet these thresholds, see: What is Delta elite status worth?
- Amex Delta Platinum or Delta Platinum Business: Spend $25,000, get 10,000 Medallion Qualifying Miles (towards elite status). At $50,000 spend, get another 10,000 Medallion Qualifying Miles. To help you decide if it’s worth paying fees to meet these thresholds, see: What is Delta elite status worth?
- Southwest Plus, Southwest Premier, Southwest Priority, Southwest Premier Business, or Southwest Performance Business: With Southwest, when you earn 125,000 points in a calendar year (including points earned from credit card spend) you get a companion pass good for an unlimited number of flights for the rest of that year and all of the next calendar year.
- Barclaycard JetBlue Plus, or JetBlue Business: Spend $50,000 and get Mosaic status which offers free checked bags; expedited security; early boarding; free drinks; enhanced point earnings; and 15,000 bonus points upon qualifying.
Earn rewards through spend
Not many cards earn rewards worth more than 2.85% when not considering welcome bonuses, bonus categories, or big-spend bonuses, but there are a few. Based on our estimated point values (Reasonable Redemption Values), you can earn up to 3.1% with the right card. That said, that’s such a small increment in value over Plastiq’s 2.85% fee that I wouldn’t recommend bothering with this unless you need the points for an even more valuable award.
The following table shows the cards that earn the best rewards for spend that is not within a bonus category. Actually, if you press “next” often enough, you’ll find all of the cards in our database, but the first ones are those that offer the best rewards for everyday spend.
| Card Info Name and Earning Rate (no offer) |
|---|
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%) |
Base: 3X (3%) |
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% |
Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel |
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. |
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights and vacation rentals booked via Capital One travel. ✦ 2X everywhere else. |
Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One Travel Base: 2X (2.9%) |
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%) |
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%) |
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%) |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% |
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% |
Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere |
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere |
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% |
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. |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else |
Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 |
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%) |
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%) |
Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One Travel Base: 1.5X (2.18%) |
Earning rate: 2X Miles on all purchases Base: 2X (2%) |
Earning rate: 2X Miles on all purchases Base: 2X (2%) |
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%) |
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% |
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% |
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 2% |
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% |
Earning rate: 3% cash back when you check out with PayPal ✦ 1.5% cash back everywhere else Base: 2% Brand: 3% |
Earning rate: 3% cash back when you check out with PayPal ✦ 2% cash back everywhere else Base: 2% Brand: 3% |
Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1% Base: 2% |
Earning rate: 6x prepaid hotel & car rental through Altitude Rewards Center ✦ 2.5X mobile wallet payments (on up to $5,000 spend per quarter) Base: 2% Shop: 2.5% Other: 6% |
Base: 2% |
Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else |
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else |
Earning rate: ✦ 2X United ✦ 1.5X everywhere else |
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases |
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 |
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 |
Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel |
Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 2X everywhere else |
Earning rate: 1.8% back everywhere (1.9% back if you have a Citizens Quest checking account) Base: 1.8% Dine: 1.8% Gas: 1.8% Other: 1.8% |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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% |
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith |
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. |
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 |
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) |
Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See |
Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply. |
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases |
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. |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel |
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 |
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 |
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 |
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) |
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 |
Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities). |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities) |
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 |
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 |
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025 |
Base: 1X (1.5%) |
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else |
Base: 1X (1.5%) |
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 |
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments |
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services |
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center |
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center |
Earning rate: 1.5% cash back for all spend. Base: 1.5X (1.5%) |
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% |
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 1.5% |
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return. Base: 1.5% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Other: 5% |
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% |
Earning rate: 1.5 miles per dollar for all spend. Base: 1.5% |
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% |
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% |
Earning rate: 6x on first $1,500 in purchases each quarter with two retailers you choose ✦ 3x on first $1,500 in purchases per quarter on one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities) Base: 1.5% Gas: 3% Other: 6% |
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% |
Earning rate: 3x travel ✦ office supply ✦ professional services |
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
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℠ |
Earning rate: 2X dining and entertainment |
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 |
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 |
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 |
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 |
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases |
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 |
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. |
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 |
Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). |
Earning rate: ✦ 7X Hilton eligible Hilton purchases ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases |
Earning rate: 6X Marriott ✦ 2X on all other eligible purchases |
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
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) |
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases |
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else |
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else. |
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest |
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. |
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. |
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. |
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. |
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else |
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services |
Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else |
Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 1.5X everywhere else |
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else |
Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else |
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ |
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else |
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else |
Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else |
Earning rate: 2X AA ✦ 1X everywhere else |
Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else |
Earning rate: 2X Miles & More |
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere |
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere |
Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere |
Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. |
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 |
Earning rate: ✦ 4X United ✦ 2X dining & travel |
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays |
Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming |
Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting |
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 |
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA |
Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else |
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas |
Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else |
Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else |
Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else |
Base: 1X (1.3%) |
Earning rate: 3X Virgin Atlantic, Virgin Hotels and Virgin Voyages ✦ 2X dining, at grocery stores, on select streaming services and for EV charging ✦ 1X everywhere else |
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases |
Earning rate: 2x on Korean Air, Hotels and Dining |
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining |
Earning rate: 2X miles on Korean Air, Gas Stations, Dining |
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. |
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else. |
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% |
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else |
Earning rate: 4X Best Western ✦ 2X everywhere else |
Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else |
Earning rate: 10X at Best Western properties ✦ 2X elsewhere |
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else |
Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else |
Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else |
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
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) |
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets |
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases |
Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year) ✦ 2x restaurants worldwide and US takeout & delivery |
Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets |
Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases |
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else |
Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else |
Earning rate: ✦ 2X Cathay Pacific ✦ 1.5X dining ✦ 1.5X purchases outside of the US ✦ 1X everywhere else |
Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining |
Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else |
Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else |
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else |
Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else |
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
Earning rate: 2X Carnival ✦ 1X everywhere else |
Earning rate: ✦ 2X Holland America ✦ 1X everywhere else |
Earning rate: ✦ 2X Princess ✦ 1X everywhere else |
Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else |
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%) |
Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel |
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
Earning rate: 3x Allegiant ✦ 2x dining |
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart |
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else |
Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else |
Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere |
Earning rate: 2x travel (includes airlines, hotels, and car rentals) |
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining |
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
Earning rate: Earn Verizon Dollars: 4% grocery, gas, dining and Verizon purchases (exlcudes monthly bill) ✦ 1% everywhere else |
Earning rate: 3X travel & dining |
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines |
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% |
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% |
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% |
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% |
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% |
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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% |
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% |
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% |
Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else Base: 1% Gas: 3% Other: 3% |
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 2% |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current welcome offer makes it worth a look. Base: 1% |
Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% |
Earning rate: ✦ 5% back on instacart orders and on travel purchased through Chase Travel ✦ 2% back at gas stationes, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 2% Brand: 4% |
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% |
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% |
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% Other: 5% |
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2024: Amazon & Target) Base: 1% Grocery: 5% Shop: 5% Other: 5% |
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2024: Amazon.com and Target) Base: 1% Dine: 5% Shop: 5% Other: 5% |
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% |
Earning rate: 5x rideshare and streaming services ✦ 5x bars and restaurants on match days ✦ 1x everywhere else Base: 1% Dine: 5% Other: 5% |
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% |
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% |
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% |
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% |
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% |
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% |
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% |
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% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% |
Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% |
Earning rate: 2x on top two categories where you spend the most each month. Base: 1% Other: 2% |
Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Dine: 4% Gas: 2% Grocery: 2% |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% |
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% |
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% |
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% |
Earning rate: 4X self-care (gym memberships, at spas / massage parlors, and barber shops / salons) ✦ 4X sports, recreation, and entertainment ✦ 4X "planet-friendly purchases" like EV charging stations, riding public transportation, and purchasing select second hand and vintage ✦ 1X everywhere else Base: 1% Other: 4% |
Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants |
Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment |
Earning rate: 3X Expedia purchases |
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). |
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). |
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else |
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else |
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else |
Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants |
Earning rate: 2X on spending with LAN & TAM |
Earning rate: This card does not earn ongoing rewards beyond the welcome bonus. Base: 0% |
Conclusion
Bilt Rewards offers the easiest path to earning rewards when paying rent. You can do significantly better, though, by regularly signing up for new credit cards and using your rent spend to earn welcome bonuses. In some cases, even without a welcome bonus, it can make sense to pay Plastiq’s fees in order to earn “big-spend” bonuses such as elite status, free nights, companion tickets, etc.
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@Another Jeff
Can confirm. My apartment is a flat fee for using a credit/debit card, and it’s less than the commonly accepted value of the points I get for using a credit card to pay the rent so I feel like I’m coming out ahead for a monthly expense I have to pay anyways.
Only downside is they don’t take Amex so I can’t use my BBP for 2x points. Have to settle for 1.5x with the CFU.
Good to note, some apartment complexes charge flat fee for Debit/VGC. Do spend in bonuses categories and pay with VGC. Ymmv whether or not VGC will process through with their payment provider, so do test run first. For me 5.95+7.95=13.90/505.95->%2.75. If you can get no fee VGC even better.
Good tip
Are the free nights for the $5K spend levels also limited to category 1-4 hotels?
Personally I haven’t found much use at those levels.
With the Hyatt card, you get 2 elite qualifying nights with $5K spend. These are not free nights. These are simply counters to help you get closer to the next elite status threshold.
I have an Ink Business Plus card. We live in the Metro Detroit area. Our former apartment complex was owned by York Properties. They have a lot of properties in the Metro Detroit/Ann Arbor area.
We found that we could pay our rent through their online payment portal and it coded as an internet/cable/phone charge. We got 5% cash back each month for a couple of years. It worked out well because the fee charged was 3.5%, so we netted 1.5% in points each month.
We no longer rent there, so our little monthly bonus is gone, lol. This was about 2 years ago, so YMMV now. It might be worth a try for anyone living in one of their complexes that has the 5% internet/cable/phone cash back category on a Chase Business Card.
Great tip, thanks.