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:
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Offer and Review |
|---|---|---|---|---|---|---|---|
| $395 | 9991985 | Capital One Venture X Business Card | $30,000 | CapOne | Business | Base: 2X (2.9%) | ![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />) ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates Up to 350K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a one-time bonus of 150K miles after $30K spend in the first 3 months and an additional 200,000 miles once you spend $200,000 in the first 6 months. (Rates & Fees)$395 Annual Fee Alternate Offer: There's a 150K + 250K (i.e. 400K total) offer available via a Capital One Private Banker 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 |
| $695 | 9991950 | The Business Platinum Card® from American Express | $20,000 | Amex | Business | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />) ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150 Click to learn about first year value estimates Limited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card(R) within the first 3 months of Card Membership.. Terms apply. (Rates & Fees) (Offer Expires 6/30/2025)$695 Annual Fee Recent better offer: 250K after $20K spend expired 2/10/25 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 |
| $150 | 9991520 | Capital One Spark Cash Plus | $30,000 | CapOne | Business | Base: 2% |  ⓘ $1520 1st Yr Value EstimateClick to learn about first year value estimates $2,000+ Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) |  ⓘ $1385 1st Yr Value EstimateClick to learn about first year value estimates 125K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K miles after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025)$150 Annual Fee FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. |
| $95 | 9991360 | Chase Sapphire Preferred® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) |  ⓘ $1360 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates 100K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K after $5K spend in 3 months$95 Annual Fee FM Mini Review: Great welcome offer. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with no annual fee Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. |
| $95 | 9991205 | Capital One Venture Rewards Credit Card | $4,000 | CapOne | Consumer | Base: 2X (2.9%) |  ⓘ $1205 1st Yr Value Estimate$250 travel credit valued at $220 Click to learn about first year value estimates 75K Miles + $250 travel credit Non-AffiliateThis is NOT an affiliate offer. 75k miles after $4k spend within first 3 months + $250 Capital One Travel credit$95 Annual Fee Alternate Offer: Some links will sometimes display a better 100K offer. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review |
| $325 | 9991152 | American Express® Gold Card | $6,000 | Amex | Consumer | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/baae32df-1232-4695-9568-ff3584dc31bf.png?w=300" alt="American Express® Gold Card" />) ⓘ $1152 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates 90K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 90K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees)$325 Annual Fee Alternate Offer: 75K points after spending $6,000 in 6 months + 20% back at restaurants worldwide (limit $250 back) Information 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. |
| $95 | 9991132 | Alaska Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.5%) |  ⓘ $1132 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 75K miles + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days. An employee ID is required for the full offer, which can be found here$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) |  ⓘ $1127 1st Yr Value EstimateClick to learn about first year value estimates 90K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K after $8K spend in 3 months$95 Annual Fee Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome bonus and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. |
| $95 | 9991116 | Alaska Airlines Visa Business Card | $4,000 | Other | Business | Base: 1X (1.5%) |  ⓘ $1116 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 75K miles + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles + Companion Fare ($99 fare + taxes) after $4K 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 |
| $95 | 9991102 | Marriott Bonvoy Boundless® Credit Card | $6,000 | Chase | Consumer | Base: 2X (1.52%) |  ⓘ $1102 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912 Click to learn about first year value estimates 3 x 50K Free Night Certificates + 50K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn three 50K free night certicates after spending $3,000 on eligible purchases within the first 3 months + 50K points after spending $6,000 total on eligible purchases in the first 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: 5 x 50K free night certificates after $5K in spend (expired 1/9/24) |
| $695 | 9991096 | The Platinum Card® from American Express | $8,000 | Amex | Consumer | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/09d4a050-a29b-4322-9c43-9e2b7aad2ec3.png?w=300" alt="The Platinum Card® from American Express" />) ⓘ $1096 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 100K points + 10x Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 100K points after $8K spend in 6 months + 10x points at restaurants worldwide on up to $25K spend in 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: 175K points after $8K spend in 6 months. 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. |
| $0 | 9991074 | Ink Business Unlimited® Credit Card | $6,000 | Chase | Business | Base: 1.5X (2.25%) |  ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 (*awarded as 75,000 points) after $6k spend in 3 monthsNo Annual Fee FM Mini Review: Great welcome bonus for a no annual fee 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 |
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) |  ⓘ $1029 1st Yr Value EstimateClick to learn about first year value estimates Up to $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $350 (*awarded as 35,000 points) after $3K spend in 3 months and an additional $400 (*awarded as 40,000 points) after $6K spend in 6 months. No Annual Fee 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 |
| $550 | 9991000 | Hilton Honors American Express Aspire Card | $6,000 | Amex | Consumer | Base: 3X (1.44%) |  ⓘ $1000 1st Yr Value Estimate$400 Hilton resort credit ($200 per six months) valued at $280, Hilton Free Night valued at $490, $200 airline credit ($50 per quarter) valued at $160 Click to learn about first year value estimates 150K Points + free night certificate ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 150K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. $550 Annual Fee Information 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 4/29/25) 175K after $6K spend in first 6 months 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. |
| $150 | 9990986 | The New United℠ Explorer Card | $3,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $986 1st Yr Value EstimateClick to learn about first year value estimates 80k miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 80K miles after $3K spend in 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025)$0 introductory annual fee for the first year, then $150 This card is subject to Chase's 5/24 rule (click here for details). FM Mini Review: Decent perks such as free 1st checked bag and 2 annual club visits makes this a keeper for some. |
| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) |  ⓘ $965 1st Yr Value EstimateClick to learn about first year value estimates 75K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles after $5K spend in first 5 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 $5K spend in first 5 months (ended 1/21/25) 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. |
| $395 | 9990950 | Capital One Venture X Rewards Credit Card | $4,000 | CapOne | Consumer | Base: 2X (2.9%) |  ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months. $395 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 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 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 |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />) ⓘ $943 1st Yr Value EstimateClick to learn about first year value estimates 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K points after $15K spend in 3 months. Terms apply. (Rates & Fees)$375 Annual Fee Recent better offer: 200K after $15K spend expired 2/10/25 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 |
| $650 | 9990931 | Marriott Bonvoy® Brilliant® American Express® Card | $6,000 | Amex | Consumer | Base: 2X (1.52%) | ![](http://cdn.nextinsure.com/imaging/opt/9f8c8210-3d62-4663-8cd9-52f0feb9f6d4.png?w=300" alt="Marriott Bonvoy Brilliant® American Express® Card" />) ⓘ $931 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates Limited Time Offer - 185K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 185k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 5/14/2025)$650 Annual Fee FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers |
| $350 | 9990918 | The New United Quest℠ Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $918 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates 90K Miles + 500 PQPs ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K miles and 500 PQPs after $4K spend in the first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025)$350 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
| $99 | 9990881 | AAdvantage Aviator Red World Elite MasterCard | $1 | Barclays | Consumer | Base: 1X (1.4%) |  ⓘ $881 1st Yr Value EstimateClick to learn about first year value estimates 70K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K miles after 1st purchase and paying the annual fee within 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. 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] |
| $695 | 9990873 | The New United Club℠ Business Card | $5,000 | Chase | Business | Base: 1.5X (1.95%) |  ⓘ $873 1st Yr Value EstimateClick to learn about first year value estimates 125K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K Miles after $5K in purchases in the first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open (Offer Expires 5/7/2025)$695 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 |
| $249 | 9990871 | avianca lifemiles American Express® Elite Card | $10,000 | Other | Consumer | Base: 1X (1.3%) |  ⓘ $871 1st Yr Value EstimateClick to learn about first year value estimates Up to 100K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Up to 100K miles: Earn 20K bonus miles after one purchase + 80K miles after $10K total spend in first 180 days$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. Recent better offer: (Expired 1/23/25) Up to 120K miles: Earn 80K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months 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. |
| $250 | 9990849 | Marriott Bonvoy Bevy® American Express® Card | $5,000 | Amex | Consumer | Base: 2X (1.52%) | ![](http://cdn.nextinsure.com/imaging/opt/78194071-052d-428a-ac7c-204876e29293.png?w=300" alt="Marriott Bonvoy Bevy® American Express® Card" />) ⓘ $849 1st Yr Value EstimateClick to learn about first year value estimates Limited Time Offer - 155K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 155K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 5/14/2025)$250 Annual Fee |
| $99 | 9990793 | Barclays JetBlue Plus Mastercard | $1,000 | Barclays | Consumer | Base: 1X (1.3%) |  ⓘ $793 1st Yr Value EstimateClick to learn about first year value estimates 70K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K 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. Information 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: 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. |
| $75 | 9990792 | Wyndham Rewards Earner Plus Card | $2,000 | Barclays | Consumer | Base: 1X (1.01%) |  ⓘ $792 1st Yr Value EstimateClick to learn about first year value estimates 90K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 90K points after $2K spend in first 90 days$75 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 7/11/24: 100K after $2K in spend FM Mini Review: Not bad, but the business version is better. |
| $89 | 9990787 | Air France KLM World Elite Mastercard | $3,000 | Other | Consumer | Base: 1.5X (1.95%) |  ⓘ $787 1st Yr Value EstimateClick to learn about first year value estimates 70K miles + 100XP Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K miles + 40XP after $3K in the first 90 days + 60 XP upon approval$89 Annual Fee Alternate Offer: Some people get an offer for $100 statement credit while doing 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: 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 |
| $695 | 9990786 | The Platinum Card® from American Express Exclusively for Morgan Stanley | $8,000 | Amex | Consumer | Base: 1X (1.55%) |  ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $695 | 9990786 | The Platinum Card® from American Express for Schwab | $8,000 | Amex | Consumer | Base: 1X (1.55%) |  ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22] |
| $99 | 9990769 | The Hawaiian Airlines® World Elite MasterCard® issued by Barclays | $2,000 | Barclays | Consumer | Base: 1X (1.5%) |  ⓘ $769 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $2k spend within 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. Recent better offer: 70K miles after one purchase within first 90 days |
| $99 | 9990769 | The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® | $2,000 | Barclays | Consumer | Base: 1X (1.5%) |  ⓘ $769 1st Yr Value EstimateClick to learn about first year value estimates 60K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K miles after $2k spend within 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. Recent better offer: 70K miles after one purchase within first 90 days |
| $69 | 9990758 | Southwest Rapid Rewards® Plus Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $758 1st Yr Value EstimateClick to learn about first year value estimates 65K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 65K points after $1K spend in the first 3 months.$69 Annual Fee After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details). Information 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 can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year. |
| $199 | 9990751 | Southwest® Rapid Rewards® Performance Business Credit Card | $5,000 | Chase | Business | Base: 1X (1.3%) |  ⓘ $751 1st Yr Value EstimateClick to learn about first year value estimates 80K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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). |
| $95 | 9990741 | Citi Strata Premier℠ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) |  ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60,000 points after $4,000 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: 75k after $6 spend in 3 months (ended 4/8/25) FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash Click here for our complete card review |
| $95 | 9990740 | Chase British Airways Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) |  ⓘ $740 1st Yr Value EstimateClick to learn about first year value estimates 85K Avios ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 85K Avios after $5K spend in 3 months$95 Annual Fee Alternate Offer: 100K points after $7.5K spend in the first 3 months This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice intro bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe. |
| $95 | 9990740 | Chase Iberia Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) |  ⓘ $740 1st Yr Value EstimateClick to learn about first year value estimates 85K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 85K Avios after $5K spend in 3 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information 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. |
| $95 | 9990740 | Chase Aer Lingus Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) |  ⓘ $740 1st Yr Value EstimateClick to learn about first year value estimates 85K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 85K Avios after $5K spend in 3 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information 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. |
| $99 | 9990732 | IHG One Rewards Premier Credit Card | $3,000 | Chase | Consumer | Base: 3X (1.86%) |  ⓘ $732 1st Yr Value EstimateClick to learn about first year value estimates 140k points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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) |
| $199 | 9990723 | Chase World of Hyatt Business Credit Card | $7,000 | Chase | Business | Base: 1X (1.7%) |  ⓘ $723 1st Yr Value EstimateClick to learn about first year value estimates 60K points + Explorist Status ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K + Explorist status through 2/28/26 after $7,000 spend in 3 months. (Offer Expires 6/30/2025)$199 Annual Fee This card is subject to Chase's 5/24 rule. Recent better offer: 60K points after $5K in 3 months + Category 1-4 Free Night Certificate after $15K total in 6 months. (Expired 3/6/25) FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. |
| $99 | 9990719 | IHG One Rewards Premier Business Credit Card | $4,000 | Chase | Business | Base: 3X (1.86%) |  ⓘ $719 1st Yr Value EstimateClick to learn about first year value estimates 140K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $4K on purchases in the first 3 months from account opening.$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 4/30/25) |
| $95 | 9990717 | Wells Fargo Autograph Journey℠ Card | $4,000 | Wells | Consumer | Base: 1X (1.4%) |  ⓘ $717 1st Yr Value Estimate$50 airline credit valued at $40 Click to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. 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. |
| $95 | 9990716 | Capital One Spark Miles for Business | $4,500 | CapOne | Business | Base: 2X (2.9%) | ![](http://cdn.nextinsure.com/imaging/opt/e19aa472-38e5-4c90-9980-8ac54ecec6be.png?w=300" alt="Capital One Spark Miles for Business" />) ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
| $195 | 9990695 | Chase Ink Business Premier® | $10,000 | Chase | Business | Base: 2% |  ⓘ $695 1st Yr Value EstimateClick to learn about first year value estimates $1,000 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1K after $10K Spend in 3 Months$195 Annual Fee 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 |
| $95 | 9990694 | The Aeroplan® Card | $3,000 | Chase | Consumer | Base: 1X (1.4%) |  ⓘ $694 1st Yr Value EstimateClick to learn about first year value estimates Up to 70K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K points after $3K spend in the first 3 months and an additional 10K after the annual fee RENEWAL PAYMENT posts and is paid in full$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 |
| $125 | 9990692 | Marriott Bonvoy Business® American Express® Card | $6,000 | Amex | Business | Base: 2X (1.52%) | ![](http://cdn.nextinsure.com/imaging/opt/45fd06a5-f3dc-4293-b002-7e483be16a7b.png?w=300" alt="Marriott Bonvoy Business® American Express® Card" />) ⓘ $692 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912 Click to learn about first year value estimates 3 x 50K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy(R) points, for a total potential value of up to 150,000 points, Terms apply. (Rates & Fees)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) |
| $150 | 9990687 | Delta SkyMiles® Gold Business American Express Card | $4,000 | Amex | Business | Base: 1X (1.15%) |  ⓘ $687 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 60K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K after $4K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 Recent better offer: 90K after $6K spend in 6 months. [Expired 4/2/25] FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. |
| $0 | 9990683 | Capital One Spark Miles Select Business Credit Card | $4,500 | CapOne | Business | Base: 1.5X (2.18%) |  ⓘ $683 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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. |
| $95 | 9990668 | Capital One Spark Cash | $7,500 | CapOne | Business | Base: 2% | ![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash" />) ⓘ $668 1st Yr Value EstimateClick to learn about first year value estimates $750 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a $750 cash bonus when you spend $7,500 within the first 3 months. (Rates & Fees)$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. |
| $99 | 9990658 | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | $2,500 | Citi | Consumer | Base: 1X (1.4%) |  ⓘ $658 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K miles after $2,500 spend in first 3 months $0 introductory annual fee for the first year, then $99 Alternate Offer: There may be an alternative offer of 30K + $400 AA 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. 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.) |
| $0 | 9990656 | U.S. Bank Business Triple Cash Rewards World Elite™ Visa | $4,500 | USB | Business | Base: 1% |  ⓘ $656 1st Yr Value EstimateClick to learn about first year value estimates $750 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $750 cash back after $6000 spend on the account owner's card in first 180 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. |
| $79 | 9990631 | Free Spirit Travel More Mastercard | $1,000 | Other | Consumer | Base: 1X (1.2%) |  ⓘ $631 1st Yr Value Estimate$100 companion voucher valued at $50 Click to learn about first year value estimates 50K Points + $100 Voucher Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K 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. |
| $99 | 9990627 | Southwest® Rapid Rewards® Premier Business Credit Card | $3,000 | Chase | Business | Base: 1X (1.3%) |  ⓘ $627 1st Yr Value EstimateClick to learn about first year value estimates 60K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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). |
| $99 | 9990609 | Southwest Rapid Rewards® Premier Credit Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $609 1st Yr Value EstimateCompanion Pass valued at $390 Click to learn about first year value estimates Limited Time Offer - 30K points + Companion Pass Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points + Companion Pass valid through 2/28/26 after $4K spend in the first 3 months.$99 Annual Fee Alternate Offer: 50K points after $1K spend in the first 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. |
| $99 | 9990601 | Qatar Airways Privilege Club Signature Card | $3,500 | Other | Consumer | Base: 1X (1.1%) |  ⓘ $601 1st Yr Value EstimateClick to learn about first year value estimates Up to 70K Avios Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K Avios after first transaction, then an additional 50K after $3,500 spend within the first 90 days (Offer Expires 6/16/2025)$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: None, this is the best that we've seen FM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios |
| $95 | 9990593 | U.S. Bank Business Leverage® Visa Signature® Card | $7,500 | USB | Business | Base: 1% |  ⓘ $593 1st Yr Value EstimateClick to learn about first year value estimates 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 Information 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: 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. |
| $99 | 9990587 | The Hawaiian Airlines® Business MasterCard® issued by Barclays | $4,000 | Barclays | Business | Base: 1X (1.5%) |  ⓘ $587 1st Yr Value EstimateClick to learn about first year value estimates 50k Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50k miles after spending $4,000 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. Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
| $150 | 9990586 | Delta SkyMiles® Gold American Express Card | $2,000 | Amex | Consumer | Base: 1X (1.15%) |  ⓘ $586 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates 50K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 50K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 Alternate Offer: Dummy booking offer of 50K + $500 credit. See this for more details. Recent better offer: 80K after $3K spend in 6 months [Expired 4/2/25] 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. |
| $150 | 9990574 | Hilton Honors American Express Surpass® Card | $3,000 | Amex | Consumer | Base: 3X (1.44%) | ![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />) ⓘ $574 1st Yr Value Estimate$200 Hilton credit ($50 per quarter) valued at $150 Click to learn about first year value estimates 130K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 130K points after $3K spend within the first 6 months. Terms apply. $150 Annual Fee Recent better offer: (Expired 4/29/25) 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. |
| $0 | 9990564 | Wyndham Earner | $2,000 | Barclays | Consumer | Base: 1X (1.01%) |  ⓘ $564 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K points after $2K 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. 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. |
| $550 | 9990555 | Chase Sapphire Reserve® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) |  ⓘ $555 1st Yr Value Estimate$300 travel credit valued at $285 Click to learn about first year value estimates 60K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K after $5K 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 annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards Click here for our complete card review |
| $0 | 9990540 | TD Business Solutions Visa | $10,000 | Other | Business | Base: 1% |  ⓘ $540 1st Yr Value EstimateClick to learn about first year value estimates Up to $750 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $250 after $1,500 spend in 90 days, plus 5% cashback everywhere on up to $10K spend within 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. |
| $95 | 9990531 | Bank of America Premium Rewards | $4,000 | Other | Consumer | Base: 1.5% |  ⓘ $531 1st Yr Value Estimate$100 airline incidental fee credit valued at $90 Click to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. 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. |
| $99 | 9990515 | JetBlue Business Card | $2,000 | Barclays | Business | Base: 1X (1.3%) |  ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K bonus miles after spending $2K 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. Recent better offer: 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 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. |
| $195 | 9990509 | Hilton Honors American Express Business Card | $6,000 | Amex | Business | Base: 3X (1.44%) | ![](http://cdn.nextinsure.com/imaging/opt/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />) ⓘ $509 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180 Click to learn about first year value estimates 130K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 130K after $6K spend in first 6 months. Terms apply. (Rates & Fees)$195 Annual Fee Recent better offer: (Expired 4/29/25) 175K after $8K in spend FM Mini Review: Easy way to secure Hilton Honors™ 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. |
| $89 | 9990507 | Lufthansa Miles & More® Premier World MasterCard® issued by Barclays | $3,000 | Barclays | Consumer | Base: 1X (1.3%) |  ⓘ $507 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K Miles after $3K spend in 90 days + payment of the annual fee$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. Recent better offer: Expired 1/1/23: 100K Miles after $3K spend in 90 days |
| $149 | 9990483 | Southwest Rapid Rewards® Priority Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $483 1st Yr Value EstimateClick to learn about first year value estimates 50K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 50K points after $1K spend in the first 3 months.$149 Annual Fee This card is known to be subject to Chase's 5/24 rule. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. |
| $499 | 9990481 | Qatar Airways Privilege Club Infinite Card | $6,000 | Other | Consumer | Base: 1X (1.1%) |  ⓘ $481 1st Yr Value EstimateClick to learn about first year value estimates Up to 100K Avios + 150 Qpoints Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K Avios after first transaction, then an additional 75K and 150 Qpoints after $6,000 spend within the first 90 days (Offer Expires 6/16/2025)$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. Recent better offer: None, this is the best that we've seen 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 |
| $95 | 9990474 | U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD | $6,000 | USB | Business | Base: 1% |  ⓘ $474 1st Yr Value EstimateClick to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $95 | 9990465 | Korean Air SKYPASS Business Visa issued by US Bank | $5,000 | USB | Business | Base: 1X (1.3%) |  ⓘ $465 1st Yr Value EstimateClick to learn about first year value estimates 50K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $99 | 9990459 | Frontier Airlines World MasterCard® | $2,000 | Barclays | Consumer | Base: 1X (1%) |  ⓘ $459 1st Yr Value EstimateClick to learn about first year value estimates Up to 60K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 40K miles after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchase; maintain Gold status for 12 months with $3,000 in purchases within first 90 days. Plus, earn additional 20K miles after spending $2K in the first 180 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. Recent better offer: Up to 100K miles: Earn 50K miles + $100 Frontier flight voucher after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchase; maintain Gold status for 12 months with $3,000 in purchases within first 90 days. Plus, earn an additional 50,000 miles if you apply by 1/31/25, are approved, provide proof that you are the primary cardholder of a co-branded credit card with another US domestic airline, and complete $3,000 in purchases in the first 180 days. |
| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) |  ⓘ $459 1st Yr Value EstimateClick to learn about first year value estimates 80K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
| $550 | 9990450 | Bank of America Premium Rewards Elite | $5,000 | Other | Consumer | Base: 1.5% |  ⓘ $450 1st Yr Value Estimate$300 airline incidental fee credit valued at $210, $150 lifestyles conveniences credit valued at $120 Click to learn about first year value estimates 75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $695 | 9990450 | The New United Club℠ Card | $5,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $450 1st Yr Value EstimateClick to learn about first year value estimates 95K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 95k miles after $5k spend in first 3 months + 5K bonus miles after you add an authorized user in the first 3 months. (Offer Expires 5/7/2025)$695 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. 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. . |
| $195 | 9990445 | U.S. Bank Business Altitude Power World Elite Mastercard | $10,000 | USB | Business | Base: 2% |  ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates 75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990445 | Wells Fargo Signify Business Cash℠ Card | $5,000 | Wells | Business | Base: 2% |  ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $350 | 9990438 | Delta SkyMiles® Platinum Business American Express Card | $6,000 | Amex | Business | Base: 1X (1.15%) | ![](http://cdn.nextinsure.com/imaging/opt/11e5dc36-aa91-4820-9b8e-67a3e145e86e.jpg?w=300" alt="Delta SkyMiles® Platinum Business American Express Card" />) ⓘ $438 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 70K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee Recent better offer: 100K after $8K in 6 months. [Expired 4/2/25] FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
| $0 | 9990428 | Capital One Spark Cash Select | $4,500 | CapOne | Business | Base: 1.5% | ![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash Select" />) ⓘ $428 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
| $150 | 9990424 | American Express® Green Card | $3,000 | Amex | Consumer | Base: 1X (1.55%) |  ⓘ $424 1st Yr Value EstimateClick to learn about first year value estimates 40K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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 |
| $0 | 9990420 | Business Advantage Unlimited Cash Rewards credit card | $5,000 | Other | Business | Base: 1.5% |  ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates $500 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $95 | 9990416 | HSBC Premier World Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% |  ⓘ $416 1st Yr Value EstimateClick to learn about first year value estimates 50K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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) Information 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 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. |
| $95 | 9990412 | Wyndham Rewards Earner Business Card | $12,000 | Barclays | Business | Base: 1X (1.01%) |  ⓘ $412 1st Yr Value EstimateClick to learn about first year value estimates Up to 75K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K points after $4K spend in first 90 days, then 25K points after $12k spend in first 365 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. 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. |
| $99 | 9990410 | Virgin Red Rewards Mastercard® | $3,000 | Other | Consumer | Base: 1X (1.4%) |  ⓘ $410 1st Yr Value EstimateClick to learn about first year value estimates 40K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4)$99 Annual Fee Alternate Offer: Increased targeted offers may be available. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: The Tier Points and annual 3rd night free at Virgin Hotels might be useful for some, especially with the anniversary bonus...but it's more "meh" than "yeah" for most of us. |
| $99 | 9990408 | Amtrak Guest Rewards® Preferred Mastercard® | $1,000 | Other | Consumer | Base: 1X (2.56%) |  ⓘ $408 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K points after $1K spend in the first 3 billing cycles $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes |
| $99 | 9990402 | Wells Fargo One Key+™ Mastercard | $3,000 | Wells | Consumer | Base: 2X (1.8%) |  ⓘ $402 1st Yr Value EstimateClick to learn about first year value estimates $600 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $600 OneKeyCash after $3K spend in first 3 months$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: 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 7x earning at Expedia could be valuable for some. |
| $0 | 9990378 | Wells Fargo Choice Privileges Mastercard | $1,000 | Wells | Consumer | Base: 1X (0.67%) |  ⓘ $378 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60K after $1K spend in first 3 monthsNo Annual Fee Alternate Offer: Choice members may be targeted for a higher offer Information 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 bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status |
| $95 | 9990373 | Chase World of Hyatt Credit Card | $3,000 | Chase | Consumer | Base: 1X (1.7%) |  ⓘ $373 1st Yr Value EstimateClick to learn about first year value estimates Up to 45K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990372 | The New United Gateway(SM) Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) |  ⓘ $372 1st Yr Value EstimateClick to learn about first year value estimates 30K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 30K miles after $1K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 7/16/2025)No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
| $99 | 9990367 | avianca lifemiles American Express® Card | $3,000 | Other | Consumer | Base: 1X (1.3%) |  ⓘ $367 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. Recent better offer: (Expired 1/25) Earn 50K bonus miles after $3K in first 90 days 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. |
| $350 | 9990357 | Delta SkyMiles® Platinum American Express Card | $3,000 | Amex | Consumer | Base: 1X (1.15%) | ![](http://cdn.nextinsure.com/imaging/opt/eb233dca-b4f3-4d23-813c-614789753d27.jpg?w=300" alt="Delta SkyMiles® Platinum American Express Card" />) ⓘ $357 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 60K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$350 Annual Fee Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details. Recent better offer: 90K after $4K spend in 6 months [Expired 4/2/25] FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
| $79 | 9990354 | TAP MIles&Go American Express Card | $2,500 | Other | Consumer | Base: 1X (1.2%) |  ⓘ $354 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 40K bonus miles after $2,500 spend 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. Recent better offer: (Expired 1/10/25) Earn 50K bonus miles + 10K status miles after $2.5K in first 90 days 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. |
| $95 | 9990353 | Korean Air SKYPASS Visa issued by US Bank | $4,000 | USB | Consumer | Base: 1X (1.3%) |  ⓘ $353 1st Yr Value EstimateClick to learn about first year value estimates 40K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990351 | Hilton Honors American Express Card | $2,000 | Amex | Consumer | Base: 3X (1.44%) | ![](http://cdn.nextinsure.com/imaging/opt/e671653b-c490-4729-9c84-06cd764bdbe0.png?w=300" alt="Hilton Honors American Express Card" />) ⓘ $351 1st Yr Value EstimateClick to learn about first year value estimates 80K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 80K points after $2K spend within the first 6 months. Terms apply. (Rates & Fees) No Annual Fee After clicking through, be sure to choose the card you want on the landing page. Recent better offer: (Expired 4/29/25) 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. |
| $89 | 9990343 | Best Western Rewards® Premium Visa Signature® Card | $3,000 | Other | Consumer | Base: 2X (1.22%) |  ⓘ $343 1st Yr Value EstimateClick to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 |
| $0 | 9990343 | Wells Fargo One Key™ Mastercard | $1,000 | Wells | Consumer | Base: 1.5X (1.35%) |  ⓘ $343 1st Yr Value EstimateClick to learn about first year value estimates $400 OneKeyCash Non-AffiliateThis is NOT an affiliate offer. $400 OneKeyCash after $1K 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: 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 |
| $0 | 9990337 | First Tech Choice Rewards World Mastercard® | $3,000 | Other | Consumer | Base: 1% |  ⓘ $337 1st Yr Value EstimateClick to learn about first year value estimates $400 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K points (worth $400) 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. |
| $250 | 9990333 | Marriott Bonvoy Bountiful™ Card | $4,000 | Chase | Consumer | Base: 2X (1.52%) |  ⓘ $333 1st Yr Value EstimateClick to learn about first year value estimates 85K points Points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 85K points after $4K total spend in first 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. |
| $49 | 9990330 | Disney Premier Visa Card | $1,000 | Chase | Consumer | Base: 1% |  ⓘ $330 1st Yr Value EstimateClick to learn about first year value estimates $400 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer $400 statement credit after $1K 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. Recent better offer: $400 after $1,000 spend (ended 12/10/24) 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. |
| $595 | 9990328 | Citi® / AAdvantage® Executive World Elite Mastercard® | $7,500 | Citi | Consumer | Base: 1X (1.4%) |  ⓘ $328 1st Yr Value EstimateClick to learn about first year value estimates 75K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $99 | 9990324 | Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card | $3,000 | Other | Consumer | Base: 1X (1.2%) |  ⓘ $324 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $499 | 9990321 | Barclays JetBlue Premier Mastercard | $5,000 | Barclays | Consumer | Base: 1X (1.3%) |  ⓘ $321 1st Yr Value EstimateClick to learn about first year value estimates 70K Miles + 5 tiles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K miles + 5 tiles after $5K in spend in 90 days and payment of annual fee. $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: This card is difficult to justify, even for the welcome bonus. Note also the $150 fee per authorized user. While cardholders will get access to JetBlue lounges when those open, the first of two that have been announced is scheduled to open in late 2025. Until JetBlue lounges open, the perks just don't justify the annual fee. Consider the JetBlue Plus card instead, though note that those who have or have had the Plus card aren't eligible for the Premier card. |
| $99 | 9990303 | Emirates Skywards Rewards World Elite Mastercard | $3,000 | Barclays | Consumer | Base: 1X (1.15%) |  ⓘ $303 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles + 1 Year Silver status Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 50K after $3K spend in 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $0 | 9990302 | Amtrak Guest Rewards Platinum Mastercard | $1,000 | Other | Consumer | Base: 1X (2.56%) | ⓘ $302 1st Yr Value EstimateClick to learn about first year value estimates 12K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990299 | Citi Double Cash® Card | $1,500 | Citi | Consumer | Base: 2X (3%) |  ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. $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 |
| $0 | 9990296 | Chase Freedom Unlimited® | $500 | Chase | Consumer | Base: 1.5X (2.25%) |  ⓘ $296 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the first 3 monthsNo 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 |
| $0 | 9990292 | Chase Freedom Flex | $500 | Chase | Consumer | Base: 1X (1.5%) |  ⓘ $292 1st Yr Value EstimateClick to learn about first year value estimates $200 cash back* ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn $200 (*awarded as 20,000 points) after spending $500 in the 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: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. |
| $0 | 9990284 | Capital One VentureOne Rewards Credit Card | $500 | CapOne | Consumer | Base: 1.25X (1.81%) |  ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates 20K miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent welcome bonus for a card with no annual fee, but other cards offer better rewards for ongoing spend. |
| $0 | 9990284 | AT&T Points Plus Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) |  ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates $200 statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 statement credit 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: 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 |
| $0 | 9990279 | Royal Caribbean® Visa Signature® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points 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: 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. |
| $0 | 9990279 | Celebrity Cruises® Visa Signature® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates 30K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 30K points after $1kK 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: 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. |
| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) |  ⓘ $276 1st Yr Value EstimateClick to learn about first year value estimates 20K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $95 | 9990275 | PenFed Pathfinder Rewards | $3,000 | Other | Consumer | Base: 1.5X (1.28%) |  ⓘ $275 1st Yr Value EstimateClick to learn about first year value estimates 50K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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 have no annual fee, but not for $95 per year. |
| $89 | 9990269 | BREEZE EASY™ VISA® CREDIT CARD | $2,000 | Barclays | Consumer | Base: 1X (1%) |  ⓘ $269 1st Yr Value EstimateClick to learn about first year value estimates 40K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $99 | 9990263 | Cathay Pacific Visa Signature card | $3,000 | Other | Consumer | Base: 1X (1.1%) |  ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates 38K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 38K miles after $3,000 spend in 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. Recent better offer: Note that some received a targeted email offer for 65K miles after $5K spend in 90 days on the old version of the card |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) |  ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. 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. |
| $0 | 9990252 | BOA Business Advantage Travel Rewards World Mastercard | $3,000 | Other | Business | Base: 1.5% |  ⓘ $252 1st Yr Value EstimateClick to learn about first year value estimates 30K points Non-AffiliateThis is NOT an affiliate offer. 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. |
| $0 | 9990240 | Carnival® World Mastercard® | $500 | Barclays | Consumer | Base: 1X (1%) |  ⓘ $240 1st Yr Value EstimateClick to learn about first year value estimates 25K FunPoints Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K FunPoints after spending $500 within the first 90 days of account opening.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Even for Carnival enthusiasts, there's not much to get excited about here. |
| $450 | 9990240 | Korean Air SKYPASS Select Visa issued by US Bank | $5,000 | USB | Consumer | Base: 1X (1.3%) |  ⓘ $240 1st Yr Value EstimateClick to learn about first year value estimates 60K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% |  ⓘ $237 1st Yr Value EstimateClick to learn about first year value estimates $300 statement credit Non-AffiliateThis is NOT an affiliate offer. $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. |
| $0 | 9990234 | Bank of America Travel Rewards | $1,000 | Other | Consumer | Base: 1.5% |  ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates 25K points worth $250 Non-AffiliateThis is NOT an affiliate offer. 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. |
| $95 | 9990234 | Wells Fargo Choice Privileges Mastercard Select | $3,000 | Wells | Consumer | Base: 1X (0.67%) |  ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60K after $3K spend in first 3 months$95 Annual Fee Alternate Offer: Choice members may be targeted for a higher offer Information 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: Worth getting for the welcome offer and keeping for the 30,000 anniversary points. The 5x categories could also be interesting for some. |
| $0 | 9990233 | The Blue Business® Plus Credit Card from American Express | $3,000 | Amex | Business | Base: 2X (3.1%) | ![](http://cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />) ⓘ $233 1st Yr Value EstimateClick to learn about first year value estimates 15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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, 17.49% - 27.49%,, 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 |
| $95 | 9990218 | U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | $2,000 | USB | Consumer | Base: 1.5% |  ⓘ $218 1st Yr Value EstimateClick to learn about first year value estimates $250 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990217 | The American Express Blue Business Cash™ Card | $3,000 | Amex | Business | Base: 2% | ![](http://cdn.nextinsure.com/imaging/opt/0619bfbe-2e01-4f0d-ae58-1fedaadaa8a2.jpg?w=300" alt="The American Express Blue Business Cash™ Card" />) ⓘ $217 1st Yr Value EstimateClick to learn about first year value estimates $250 back + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $250 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, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (Rates & Fees)No Annual Fee |
| $0 | 9990216 | Best Western Rewards® Visa Signature® Card | $1,500 | Other | Consumer | Base: 2X (1.22%) |  ⓘ $216 1st Yr Value EstimateClick to learn about first year value estimates 40K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990207 | BOA Platinum Plus Business Mastercard | $3,000 | Other | Business | Base: 0% |  ⓘ $207 1st Yr Value EstimateClick to learn about first year value estimates $300 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990205 | Marriott Bonvoy Bold Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.76%) |  ⓘ $205 1st Yr Value EstimateClick to learn about first year value estimates 30K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 30K points after spending $1K in the first 3 months. Terms apply. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information 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 points + Free Night Certificate after $2k spend (ended 3/7/25) 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 |
| $0 | 9990202 | American Airlines AAdvantage® MileUp® Card | $500 | Citi | Consumer | Base: 1X (1.4%) |  ⓘ $202 1st Yr Value EstimateClick to learn about first year value estimates 15K miles Non-AffiliateThis is NOT an affiliate offer. Earn 15K AA miles after $500 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: Not bad for grocery spend if you highly value AA miles |
| $650 | 9990200 | Delta SkyMiles® Reserve Business American Express Card | $10,000 | Amex | Business | Base: 1X (1.15%) | ![](http://cdn.nextinsure.com/imaging/opt/0877ce67-755f-4abc-a129-c9b5e47a3a58.jpg?w=300" alt="Delta SkyMiles® Reserve Business American Express Card" />) ⓘ $200 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click to learn about first year value estimates 80K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 80k after $10K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee Recent better offer: 110K after $12K spend in 6 months [Expired 4/2/25] FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
| $0 | 9990195 | Wells Fargo Active Cash Card | $500 | Wells | Consumer | Base: 2X (2%) |  ⓘ $195 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. $200 after $500 spend in the 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 competitive flat 2% back on purchases and includes good cell phone insurance for a no annual fee card (up to $600 in protection with just a $25 deductible). Pair with a Wells Fargo Autograph or Autograph Journey card to make the rewards transferable to airline and hotel partners. |
| $0 | 9990194 | Citi Shop Your Way Mastercard | $1,500 | Citi | Consumer | Base: 1X (1%) |  ⓘ $194 1st Yr Value EstimateClick to learn about first year value estimates $225 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $75 statement credit for every $500 spent within the first 90 days, up to $225No 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: 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. |
| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% |  ⓘ $192 1st Yr Value EstimateClick to learn about first year value estimates $350 back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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 |
| $0 | 9990192 | Capital One Quicksilver Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1.5% |  ⓘ $192 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer One time bonus: $200 after $500 spend in 3 months from account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: One time bonus: $300 after $500 spend in 3 months from account opening. (Ended 2/25/25) 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. |
| $0 | 9990190 | Priceline VIP Rewards™ Visa® Card | $500 | Barclays | Consumer | Base: 1% |  ⓘ $190 1st Yr Value Estimate$150 statement credit after first purchase valued at $150 Click to learn about first year value estimates $150 + 5K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $150 statement credit after first purchase + 5,000 points after spending $500 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. |
| $0 | 9990190 | Capital One Savor Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1% |  ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer One time bonus: $200 after $500 spend in 3 months from account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $0 | 9990190 | Disney Visa Card | $500 | Chase | Consumer | Base: 1% |  ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer $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. Recent better offer: $200 after $500 spend (ended 12/10/24) 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. |
| $0 | 9990189 | Evergreen® by FNBO Business Edition® Credit Card | $1,000 | Other | Business | Base: 2% |  ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990189 | Evergreen® by FNBO Credit Card | $1,000 | Other | Consumer | Base: 2% |  ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates $200 Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | ![](http://cdn.nextinsure.com/imaging/opt/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg?w=300" alt="Blue Cash Preferred® Card from American Express" />) ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates $250 back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $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 |
| $89 | 9990187 | TD First Class Visa Signature® Card | $3,000 | Other | Consumer | Base: 1% |  ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates 25K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 25K after $3K spend in first 6 billing cycles.$0 introductory annual fee for the first year, then $89 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $0 | 9990184 | Schwab Investor Card® from American Express | $1,000 | Amex | Consumer | Base: 1.5% |  ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back as a statement credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990184 | Bank of America Unlimited Cash Rewards | $1,000 | Other | Consumer | Base: 1.5% |  ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates $200 cash bonus Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990179 | AARP® Essential Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 after $1000 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. |
| $0 | 9990179 | AARP® Travel Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 after $1000 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. |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. $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. |
| $0 | 9990179 | Norwegian Cruise Line® World Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates 20K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 20K after $1K 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. 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. |
| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. $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. |
| $0 | 9990179 | U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates 20K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% |  ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $59 | 9990170 | Allegiant World Mastercard® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $170 1st Yr Value EstimateClick to learn about first year value estimates 25K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $650 | 9990158 | Delta SkyMiles® Reserve American Express Card | $5,000 | Amex | Consumer | Base: 1X (1.15%) |  ⓘ $158 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 70K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 70K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee Recent better offer: 100K after $6K spend in 6 months. [Expired 4/2/25] FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
| $0 | 9990158 | Blue Cash Everyday® Card from American Express | $2,000 | Amex | Consumer | Base: 1% | ![](http://cdn.nextinsure.com/imaging/opt/38f795f6-02b0-48ac-8a40-3d1c6dcbe774.png?w=300" alt="Blue Cash Everyday® Card from American Express" />) ⓘ $158 1st Yr Value EstimateClick to learn about first year value estimates $200 back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $200 back after $2K spend in the first 6 months. Terms apply. (Rates & Fees)No Annual Fee |
| $69 | 9990150 | Sun Country Airlines® Visa Signature® Card | $1,500 | Other | Consumer | Base: 1X (1%) |  ⓘ $150 1st Yr Value EstimateClick to learn about first year value estimates 25K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $249 | 9990146 | MGM Rewards Iconic World Elite Mastercard® | $5,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $146 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click to learn about first year value estimates 40K points + 10K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K points + 10K tier credits after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. $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: Could be a decent option for MGM loyalists who spend at MGM resorts. |
| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% |  ⓘ $135 1st Yr Value Estimate$150 Amazon gift card valued at $135 Click to learn about first year value estimates $150 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $150 Amazon gift card upon approval. Terms apply. No Annual Fee Recent better offer: $200 Amazon gift card after first purchase (expired 12/5/24) FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. |
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| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% |  ⓘ $135 1st Yr Value Estimate$150 Amazon gift card valued at $135 Click to learn about first year value estimates $150 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn up to a $150 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. |
| $395 | 9990121 | HSBC Premier World Elite Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% |  ⓘ $121 1st Yr Value EstimateClick to learn about first year value estimates 60K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 60K after $4K spend in 3 months$395 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 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. |
| $0 | 9990120 | Discover it® for Students | $0 | Discover | Consumer | Base: 1% |  ⓘ $120 1st Yr Value EstimateClick to learn about first year value estimates $100 + $20/year ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Get $100 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. |
| $0 | 9990119 | MGM Rewards Mastercard | $1,500 | Other | Consumer | Base: 1X (1%) |  ⓘ $119 1st Yr Value EstimateClick to learn about first year value estimates 15K points + 15K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 15K points + 15K 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. |
| $0 | 9990119 | Verizon Visa Card | $1,500 | Other | Consumer | Base: 1X (1%) |  ⓘ $119 1st Yr Value EstimateClick to learn about first year value estimates Up to $150 in statement credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $50 statement credit after first purchase and additional $100 statement credit when you spend $1,500 within 90 days of account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | ![](http://cdn.nextinsure.com/imaging/opt/eabcffdf-7de5-41c3-bb9d-7d16912f3540.jpg?w=300" alt="Amazon Business Prime American Express Card" />) ⓘ $115 1st Yr Value Estimate$125 Amazon gift card valued at $115 Click to learn about first year value estimates $125 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
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| $0 | 9990112 | JetBlue Card | $1,000 | Barclays | Consumer | Base: 1X (1.3%) |  ⓘ $112 1st Yr Value EstimateClick to learn about first year value estimates 10K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 no annual fee airline card. |
| $0 | 9990111 | Free Spirit Travel Mastercard | $500 | Other | Consumer | Base: 1X (1.2%) |  ⓘ $111 1st Yr Value EstimateClick to learn about first year value estimates 10K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990100 | Discover it Miles - Double Miles your first year | $0 | Discover | Consumer | Base: 1.5% |  ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates $100 + First Year Double ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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. |
| $0 | 9990100 | Discover it® | $0 | Discover | Consumer | Base: 1% |  ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates $100 Back + First Year Double ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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 |
| $0 | 9990096 | Delta SkyMiles® Blue American Express Card | $1,000 | Amex | Consumer | Base: 1X (1.15%) |  ⓘ $96 1st Yr Value EstimateClick to learn about first year value estimates 10K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
| $95 | 9990091 | Business Green Rewards Card from American Express | $3,000 | Amex | Business | Base: 1X (1.55%) | ![](http://cdn.nextinsure.com/imaging/opt/57495ed9-6f4e-4919-9a83-ae2ec251f236.png?w=300" alt="Business Green Rewards Card from American Express" />) ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates 15K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15K points after $3K spend within first 3 months of card membership. Terms & limitations apply. (Rates & Fees)$95 Annual Fee |
| $0 | 9990091 | Upromise World MasterCard® issued by Barclays | $500 | Barclays | Consumer | Base: 1.25% |  ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990090 | Holland America Line Rewards Visa® Card | $500 | Barclays | Consumer | Base: 1X (1%) |  ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates 10K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points after spending $500 within the first 90 days of account opening.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Even for HA enthusiasts, there's not much to get excited about here. |
| $0 | 9990090 | Princess® Rewards Visa® Card | $500 | Barclays | Consumer | Base: 1X (1%) |  ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates 10K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points after spending $500 within the first 90 days of account opening.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Even for Princess enthusiasts, there's not much to get excited about here. |
| $0 | 9990090 | Wells Fargo Attune World Elite Mastercard® | $500 | Wells | Consumer | Base: 1% |  ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990087 | Affinity Cash Rewards Visa® Signature Credit Card | $3,000 | Other | Consumer | Base: 1% |  ⓘ $87 1st Yr Value EstimateClick to learn about first year value estimates $150 cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990079 | Caesars Rewards® Visa Signature® Card | $1,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 10K Reward Credits + 2.5K Tier Credits Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earn 10K Reward Credits and 2.5K Tier Credits after $10K spend outside of a Caesars Rewards destination within the first 90 days of approval.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: Might be worthwhile for Caesars Platinum status, otherwise not much here to see. |
| $99 | 9990079 | LATAM Airlines World Elite Mastercard | $2,500 | Other | Consumer | Base: 1X (0.6%) |  ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 40K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 40K miles after $2,500 spend within the first three months$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: Only for hardened LATAM loyalists, this card has little appeal due to the low value of LATAM Pass points. |
| $0 | 9990079 | MGM Rewards World Elite Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) |  ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates 10K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 10K points after $1K spend in the first 3 billing cycles No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: MGM loyalists would probably do better with the Iconic card, everyone else would do better with any other card. |
| $0 | 9990068 | BECU Cash Back Visa credit card | $2,000 | Other | Consumer | Base: 1.5% |  ⓘ $68 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $0 | 9990065 | LATAM Airlines Mastercard | $1,000 | Other | Consumer | Base: 1X (0.6%) |  ⓘ $65 1st Yr Value EstimateClick to learn about first year value estimates 15K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 15K miles after $1,000 spend within the first three 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: Even with no annual fee, this card has little appeal due to the low value of LATAM Pass points. |
| $95 | 9990050 | Rocket Mortgage Visa | $3,000 | Other | Consumer | Base: 1.25% |  ⓘ $50 1st Yr Value EstimateClick to learn about first year value estimates $200 Statement Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $200 statement credit with $3k spend in the first 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: 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. |
| $499 | 9990018 | Emirates Skywards Premium World Elite Mastercard | $3,000 | Barclays | Consumer | Base: 1X (1.15%) |  ⓘ $17 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles + 1 Year Gold status Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K after $3K spend in 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. |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) |  ⓘ $5 1st Yr Value EstimateClick to learn about first year value estimates 15K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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. |
| $0 | 9990000 | Alliant Cashback Visa Signature Card | Other | Consumer | Base: 2.5% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
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| $0 | 9990000 | Mesa Homeowners Card | Other | Consumer | Base: 1X (1%) |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler There is currently no welcome offer for this cardNo 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: Interesting card for the ability to earn transferable points with mortgage payments, especially if you can use one or more of the spending perks. |
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| $0 | 9990000 | Chase Slate Edge | Chase | Consumer | Base: 0% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 19.49%–28.24%.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. |
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| $0 | 9990000 | DoorDash Rewards Mastercard® | Chase | Consumer | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates Free DashPass Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
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| $0 | 9990000 | Costco Anywhere Business Visa | $0 | Citi | Business | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Bonus Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $0 | 9990000 | Citizens Bank Cash Back Plus® World Mastercard® | $0 | Other | Consumer | Base: 1.8% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990000 | Bread Rewards™ American Express® Credit Card | $0 | Other | Consumer | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No welcome offer Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler NoneNo 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: Nice, no annual fee cashback card for dining and grocery purchases if you hit the 25% monthly bonus. |
| $0 | 9990000 | Fidelity Rewards Visa | Other | Consumer | Base: 2% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
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| $0 | 9990000 | Brex Cash | Other | Business | Base: 1X (1.4%) |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link Information 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: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending. |
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| $0 | 9990000 | Simon® American Express® Credit Card from Cardless | $0 | Other | Consumer | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Bonus Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 | 9990000 | Getaway by FNBO® Credit Card | Other | Consumer | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates 0% APR Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
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| $0 | 9990000 | PNC Cash Rewards® Visa® Credit Card | Other | Consumer | Base: 1X (1%) |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates 0% APR on balance transfers Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
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| $0 | 9990000 | SoFi Credit Card | $0 | Other | Consumer | Base: 2% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990000 | Venmo Credit Card | $0 | Other | Consumer | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990000 | Paypal Cashback Mastercard | $0 | Other | Consumer | Base: 2% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler No Welcome BonusNo 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. |
| $0 | 9990000 | Paypal Business Cashback Mastercard | $0 | Other | Consumer | Base: 2% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Bonus Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9990000 | UBS Visa Signature | $0 | Other | Consumer | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card does not currently have a welcome offerNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers Information 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: May be worth getting for signup bonus. Otherwise this card is useless. |
| $0 | 9990000 | UBS Visa Signature Business | $0 | Other | Business | Base: 1% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. Information 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: May be worth getting for signup bonus. Otherwise this card is useless. |
| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card | $0 | USB | Consumer | Base: 2% |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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: US Bank changed this card on 4/14/25 which removed much of its value proposition. You're now capped on 4% total earnings each billing cycle and eligible accounts for your $10,000+ qualifying balances earn a low rate of interest. |
| $0 | 9990000 | Bilt Mastercard | $0 | Wells | Consumer | Base: 1X (1.55%) |  ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates None ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 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). |
| $0 | 9989980 | Santander® Ultimate Cash Back® credit card | $20,000 | Other | Consumer | Base: 1.5% |  ⓘ $-20 1st Yr Value EstimateClick to learn about first year value estimates 3% back for 12 months Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $0 | 9989968 | Costco Anywhere Visa | $1,500 | Citi | Consumer | Base: 1% |  ⓘ $-32 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. NoneNo Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $95 | 9989936 | The Owner's Rewards Card by M1 | $4,000 | Other | Consumer | Base: 1.5% |  ⓘ $-64 1st Yr Value EstimateClick to learn about first year value estimates No Welcome Bonus Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $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. |
| $400 | 9989915 | CNB Crystal Visa Infinite Credit Card | $0 | Other | Consumer | Base: 1X (1.11%) |  ⓘ $-85 1st Yr Value Estimate$350 airline incidental fee credit valued at $315 Click to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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). |
| $85 | 9989873 | U.S. Bank FlexPerks® Gold American Express® card | $2,000 | USB | Consumer | Base: 1% |  ⓘ $-127 1st Yr Value EstimateClick to learn about first year value estimates None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. |
| $250 | 9989870 | The Plum Card® from American Express | $30,000 | Amex | Business | Base: 1.5% |  ⓘ $-130 1st Yr Value EstimateClick to learn about first year value estimates Up to $600 ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 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. |
| $150 | 9989850 | UBS Cash Rewards Visa Business | $0 | Other | Business | Base: 2% |  ⓘ $-150 1st Yr Value EstimateClick to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. Information 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 annual fee kills the value here |
| $550 | 9989765 | UBS Visa Infinite Business | $0 | Other | Business | Base: 1% |  ⓘ $-235 1st Yr Value Estimate$350 airline incidental fee credit valued at $315 Click to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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. Information 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: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value) |
| $495 | 9989730 | UBS Visa Infinite | $0 | Other | Consumer | Base: 1% |  ⓘ $-270 1st Yr Value Estimate$250 airline incidental fee credit valued at $225 Click to learn about first year value estimates None (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 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 Information 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: 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) |
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.
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card (with $100k+ in deposits) | $0 | USB | Consumer | Base: 4% | Earning rate: 4% rate is limited to your first $10,000 in eligible Net Purchases each billing cycle, then the earning rate drops to 2%. To qualify, you must maintain at least $100,000 in a U.S. Bank Smartly® Checking and/or Safe Debit account. Base: 4% |
| $0 | 9990233 | The Blue Business® Plus Credit Card from American Express | $3,000 | Amex | Business | Base: 2X (3.1%) | 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%) |
| $0 | 9990000 | Robinhood Gold Card | $0 | Other | Consumer | Base: 3% | |
| $0 | 9990000 | Discover it Miles (First Year) | Discover | Consumer | Base: 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% |
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| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card (with between $50k and $99,999 in deposits) | $0 | USB | Consumer | Base: 3% | Earning rate: 3% rate is limited to your first $10,000 in eligible Net Purchases each billing cycle, then the earning rate drops to 2%. To qualify, you must maintain at least $50,000 in a U.S. Bank Smartly® Checking and/or Safe Debit account. Base: 3% |
| $0 | 9990299 | Citi Double Cash® Card | $1,500 | Citi | Consumer | Base: 2X (3%) | Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/25. Base: 2X (3%) |
| $95 | 9991205 | Capital One Venture Rewards Credit Card | $4,000 | CapOne | Consumer | Base: 2X (2.9%) | Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel |
| $395 | 9990950 | Capital One Venture X Rewards Credit Card | $4,000 | CapOne | Consumer | Base: 2X (2.9%) | 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. |
| $395 | 9991985 | Capital One Venture X Business Card | $30,000 | CapOne | Business | Base: 2X (2.9%) | Earning rate: 10X miles on hotels and rental cars booked via Capital One's travel booking site ✦ 5x on flights and vacation rentals booked via Capital One's travel booking site. ✦ 2X everywhere else. |
| $95 | 9990716 | Capital One Spark Miles for Business | $4,500 | CapOne | Business | Base: 2X (2.9%) | Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One's travel booking site Base: 2X (2.9%) |
| $0 | 9990000 | Bank of America Travel Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 2.625% | 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: 2.625% |
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| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | 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% |
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| $0 | 9990000 | Bank of America Unlimited Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | 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% |
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| $0 | 9990000 | Business Advantage Unlimited Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | 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% |
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| $95 | 9989905 | Bank of America Premium Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | 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% |
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| $550 | 9989450 | Bank of America Premium Rewards Elite (with Platinum Honors Preferred Rewards) | Other | Consumer | 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% |
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| $0 | 9990000 | BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 2.625% | 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: 2.625% |
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| $0 | 9990302 | Amtrak Guest Rewards Platinum Mastercard | $1,000 | Other | Consumer | Base: 1X (2.56%) | Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere |
| $99 | 9990408 | Amtrak Guest Rewards® Preferred Mastercard® | $1,000 | Other | Consumer | Base: 1X (2.56%) | Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere |
| $0 | 9990000 | Alliant Cashback Visa Signature Card | Other | Consumer | Base: 2.5% | 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% |
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| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card (with between $10k and $49,999 in deposits) | $0 | USB | Consumer | Base: 2.5% | Earning rate: 2.5% rate is limited to your first $10,000 in eligible Net Purchases each billing cycle, then the earning rate drops to 2%. To qualify, you must maintain at least $10,000 in a U.S. Bank Smartly® Checking and/or Safe Debit account. Base: 2.5% |
| $59 | 9989937 | Spirit Airlines World Mastercard® | $500 | Other | Consumer | Base: 2X (2.4%) | |
| $95 | 9989905 | The Amex EveryDay Preferred Card (with 30 purchases per billing cycle) | Amex | Consumer | Base: 1.5X (2.33%) | 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. |
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| $0 | 9990296 | Chase Freedom Unlimited® | $500 | Chase | Consumer | Base: 1.5X (2.25%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else |
| $0 | 9991074 | Ink Business Unlimited® Credit Card | $6,000 | Chase | Business | Base: 1.5X (2.25%) | Earning rate: 1.5X on all purchases ✦ 5X Lyft through September 2027 |
| $0 | 9990000 | Wells Fargo Cash Wise Visa® Card | Wells | Business | Base: 1.5% | 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: 1.5% |
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| $0 | 9989964 | Hotels.com Rewards Visa Credit Card | $4,000 | Wells | Consumer | Base: 0.002X (2.2%) | Earning rate: Collect 1 $110 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. Collect 10 stamps, get 1 reward night. Base: 0.002X (2.2%) |
| $0 | 9990683 | Capital One Spark Miles Select Business Credit Card | $4,500 | CapOne | Business | Base: 1.5X (2.18%) | Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One's travel booking site Base: 1.5X (2.18%) |
| $90 | 9989900 | Virgin Atlantic World Elite Mastercard | $1,000 | Other | Consumer | Base: 1.5X (2.1%) | Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else |
| $0 | 9990000 | The Blue for Business® Credit Card from American Express | $0 | Amex | Business | Base: 1.3X (2.02%) | |
| $89 | 9990000 | Barclaycard Arrival Plus® World Elite Mastercard® | Barclays | Consumer | Base: 2X (2%) | Earning rate: 2X Miles on all purchases Base: 2X (2%) |
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| $150 | 9989850 | Barclays Arrival® Premier World Elite Mastercard® | $0 | Barclays | Consumer | Base: 2X (2%) | Earning rate: 2X Miles on all purchases Base: 2X (2%) |
| $85 | 9990267 | PNC Premier Traveler® Visa Signature Credit Card | $3,000 | Other | Consumer | Base: 2X (2%) | |
| $0 | 9990195 | Wells Fargo Active Cash Card | $500 | Wells | Consumer | Base: 2X (2%) | Base: 2X (2%) |
| $0 | 9990217 | The American Express Blue Business Cash™ Card | $3,000 | Amex | Business | Base: 2% | Earning rate: 2% cash back as a statement credit on all eligible purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply. Base: 2% |
| $95 | 9990668 | Capital One Spark Cash | $7,500 | CapOne | Business | Base: 2% | Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% |
| $150 | 9991520 | Capital One Spark Cash Plus | $30,000 | CapOne | Business | Base: 2% | Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% |
| $195 | 9990695 | Chase Ink Business Premier® | $10,000 | Chase | Business | 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 ✦ 5x Lyft through September 2027 Base: 2% Other: 5% |
| $0 | 9990000 | X1 Card | $0 | Other | Consumer | Base: 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: 2% |
| $0 | 9990000 | Fidelity Rewards Visa | Other | Consumer | Base: 2% | ||
| $0 | 9990189 | Evergreen® by FNBO Business Edition® Credit Card | $1,000 | Other | Business | Base: 2% | |
| $0 | 9989989 | Evergreen® by FNBO Credit Card | $1,000 | Other | Consumer | Base: 2% | |
| $0 | 9990189 | Evergreen® by FNBO Credit Card | $1,000 | Other | Consumer | Base: 2% | |
| $0 | 9990000 | SoFi Credit Card | $0 | Other | Consumer | Base: 2% | |
| $0 | 9990000 | Paypal Cashback Mastercard | $0 | Other | Consumer | Base: 2% | Earning rate: 3% cash back when you check out with PayPal ✦ 1.5% cash back everywhere else Base: 2% Brand: 3% |
| $0 | 9990000 | Paypal Business Cashback Mastercard | $0 | Other | Consumer | Base: 2% | Earning rate: 3% cash back when you check out with PayPal ✦ 2% cash back everywhere else Base: 2% Brand: 3% |
| $150 | 9989850 | UBS Cash Rewards Visa Business | $0 | Other | Business | Base: 2% | Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1% Base: 2% |
| $195 | 9990445 | U.S. Bank Business Altitude Power World Elite Mastercard | $10,000 | USB | Business | 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% |
| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card | $0 | USB | Consumer | Base: 2% | Earning rate: Up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account plus qualifying balances in a U.S. Bank Smartly Checking and/or Safe Debit account. Base: 2% |
| $0 | 9990445 | Wells Fargo Signify Business Cash℠ Card | $5,000 | Wells | Business | Base: 2% | |
| $89 | 9990787 | Air France KLM World Elite Mastercard | $3,000 | Other | Consumer | Base: 1.5X (1.95%) | Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else |
| $695 | 9990873 | The New United Club℠ Business Card | $5,000 | Chase | Business | Base: 1.5X (1.95%) | Earning rate: 5X on stays at Renowned Hotels and Resorts for United Cardmembers ✦ 2X United ✦ 1.5X everywhere else |
| $99 | 9990732 | IHG One Rewards Premier Credit Card | $3,000 | Chase | Consumer | Base: 3X (1.86%) | |
| $99 | 9990719 | IHG One Rewards Premier Business Credit Card | $4,000 | Chase | Business | Base: 3X (1.86%) | 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 |
| $0 | 9990000 | The Amex EveryDay Card (with 20 purchases per billing cycle) | Amex | Consumer | Base: 1.2X (1.86%) | 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 |
|
| $0 | 9990284 | Capital One VentureOne Rewards Credit Card | $500 | CapOne | Consumer | Base: 1.25X (1.81%) | Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel |
| $99 | 9990402 | Wells Fargo One Key+™ Mastercard | $3,000 | Wells | Consumer | Base: 2X (1.8%) | |
| $0 | 9990000 | Citizens Bank Cash Back Plus® World Mastercard® | $0 | Other | Consumer | Base: 1.8% | 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% |
| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | 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% |
|
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
|
| $95 | 9990373 | Chase World of Hyatt Credit Card | $3,000 | Chase | Consumer | Base: 1X (1.7%) | Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
| $199 | 9990723 | Chase World of Hyatt Business Credit Card | $7,000 | Chase | Business | Base: 1X (1.7%) | 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 |
| $695 | 9991950 | The Business Platinum Card® from American Express | $20,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 5X flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked 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. |
| $695 | 9991096 | The Platinum Card® from American Express | $8,000 | Amex | Consumer | Base: 1X (1.55%) | 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 |
| $325 | 9991152 | American Express® Gold Card | $6,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
| $150 | 9990424 | American Express® Green Card | $3,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See |
| $95 | 9990091 | Business Green Rewards Card from American Express | $3,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | 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. |
| $0 | 9990140 | The Amex EveryDay® Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases |
| $95 | 9990122 | The Amex EveryDay® Preferred Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | 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. |
| $695 | 9990786 | The Platinum Card® from American Express Exclusively for Morgan Stanley | $8,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel |
| $0 | 9990000 | The Morgan Stanley Credit Card from American Express | Amex | Consumer | Base: 1X (1.55%) | 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 |
|
| $695 | 9990786 | The Platinum Card® from American Express for Schwab | $8,000 | Amex | Consumer | Base: 1X (1.55%) | 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 |
| $0 | 9990000 | Bilt Mastercard | $0 | Wells | Consumer | Base: 1X (1.55%) | 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 |
| $95 | 9989953 | Marriott Bonvoy™ American Express® Card | $3,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott ✦ 2X on all other eligible purchases |
| $650 | 9990931 | Marriott Bonvoy® Brilliant® American Express® Card | $6,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
| $125 | 9990692 | Marriott Bonvoy Business® American Express® Card | $6,000 | Amex | Business | Base: 2X (1.52%) | 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) |
| $250 | 9990849 | Marriott Bonvoy Bevy® American Express® Card | $5,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases |
| $250 | 9990333 | Marriott Bonvoy Bountiful™ Card | $4,000 | Chase | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
| $450 | 9989550 | Chase Ritz Carlton Rewards Visa Infinite | Chase | Consumer | Base: 2X (1.52%) | Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
|
| $95 | 9991102 | Marriott Bonvoy Boundless® Credit Card | $6,000 | Chase | Consumer | Base: 2X (1.52%) | |
| $99 | 9989901 | Marriott Bonvoy Premier Plus Business | $0 | Chase | Business | Base: 2X (1.52%) | |
| $99 | 9990587 | The Hawaiian Airlines® Business MasterCard® issued by Barclays | $4,000 | Barclays | Business | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® World Elite MasterCard® issued by Barclays | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $95 | 9991132 | Alaska Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.5%) | Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere |
| $95 | 9991116 | Alaska Airlines Visa Business Card | $4,000 | Other | Business | Base: 1X (1.5%) | Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere |
| $550 | 9990555 | Chase Sapphire Reserve® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 5X Lyft (through September 2027) |
| $95 | 9991360 | Chase Sapphire Preferred® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
| $0 | 9990000 | Chase Freedom Visa | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Lyft through September 2027; 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
|
| $0 | 9990292 | Chase Freedom Flex | $500 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) | 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 September 2027 |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) | |
| $95 | 9990000 | Chase Ink Plus® Business Credit Card | Chase | Business | Base: 1X (1.5%) | ||
| $0 | 9990000 | Citi Business ThankYou Card | Citi | Business | Base: 1X (1.5%) | Earning rate: 3x travel ✦ office supply ✦ professional services |
|
| $495 | 9989505 | Citi Prestige Card | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
|
| $95 | 9990741 | Citi Strata Premier℠ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Citi Preferred Card | $0 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 2X dining and entertainment |
| $0 | 9990000 | Citi Rewards+® Card | $0 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $0 | 9990000 | Citi Rewards+ Student Card | Citi | Consumer | Base: 1X (1.5%) | 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 |
|
| $95 | 9989905 | AT&T Access More Card | Citi | Consumer | Base: 1X (1.5%) | 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 |
|
| $0 | 9989984 | AT&T Access Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $0 | 9990284 | AT&T Points Plus Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases |
| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $400 | 9989600 | U.S. Bank Altitude Reserve Visa Infinite Card | USB | Consumer | Base: 1X (1.5%) | Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments |
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| $0 | 9990000 | Wells Fargo Propel American Express® Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Wells Fargo Visa Signature Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Wells Fargo Rewards Visa® card | Wells | Consumer | Base: 1X (1.5%) | ||
| $0 | 9990000 | Discover it Business - Double cash back your first year | $0 | Discover | Business | Base: 1.5X (1.5%) | Earning rate: 1.5% cash back for all spend. Base: 1.5X (1.5%) |
| $250 | 9989870 | The Plum Card® from American Express | $30,000 | Amex | Business | Base: 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% |
| $0 | 9990184 | Schwab Investor Card® from American Express | $1,000 | Amex | Consumer | Base: 1.5% | |
| $0 | 9989968 | American Express Cash Magnet® Card | $2,000 | Amex | Consumer | Base: 1.5% | |
| $0 | 9990000 | Barclaycard CashForward | Barclays | Consumer | Base: 1.5% | ||
| $0 | 9990068 | BECU Cash Back Visa credit card | $2,000 | Other | Consumer | Base: 1.5% | |
| $0 | 9990234 | Bank of America Travel Rewards | $1,000 | Other | Consumer | Base: 1.5% | Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Travel: 3% |
| $0 | 9990184 | Bank of America Unlimited Cash Rewards | $1,000 | Other | Consumer | 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% |
| $0 | 9990420 | Business Advantage Unlimited Cash Rewards credit card | $5,000 | Other | Business | 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% |
| $95 | 9990531 | Bank of America Premium Rewards | $4,000 | Other | Consumer | Base: 1.5% | Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
| $550 | 9990450 | Bank of America Premium Rewards Elite | $5,000 | Other | Consumer | Base: 1.5% | Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
| $0 | 9990252 | BOA Business Advantage Travel Rewards World Mastercard | $3,000 | Other | Business | Base: 1.5% | Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Travel: 3% |
| $0 | 9990192 | Capital One Quicksilver Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1.5% | Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel ✦ 5% on Capital One Entertainment through 12/31/25 Base: 1.5% Other: 5% |
| $0 | 9990428 | Capital One Spark Cash Select | $4,500 | CapOne | Business | Base: 1.5% | Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 1.5% |
| $0 | 9990000 | The Comenity® Mastercard® Credit Card | Other | Consumer | Base: 1.5% | ||
| $0 | 9990100 | Discover it Miles - Double Miles your first year | $0 | Discover | Consumer | Base: 1.5% | Earning rate: 1.5 miles per dollar for all spend. Base: 1.5% |
| $60 | 9989940 | Paceline Credit Card | Other | Consumer | 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% |
|
| $95 | 9989936 | The Owner's Rewards Card by M1 | $4,000 | Other | Consumer | Base: 1.5% | 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% |
| $0 | 9989980 | Santander® Ultimate Cash Back® credit card | $20,000 | Other | Consumer | Base: 1.5% | |
| $95 | 9990218 | U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | $2,000 | USB | Consumer | 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% |
| $0 | 9989952 | Wells Fargo Business Platinum Visa® card | $3,000 | Wells | Business | Base: 1.5% | 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% |
| $0 | 9990000 | UBS Visa Signature | $0 | Other | Consumer | Base: 1% | Base: 1% |
| $495 | 9989730 | UBS Visa Infinite | $0 | Other | Consumer | Base: 1% | Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Base: 1% Travel: 3% Gas: 2% Grocery: 2% |
| $0 | 9990000 | UBS Visa Signature Business | $0 | Other | Business | Base: 1% | Base: 1% |
| $550 | 9989765 | UBS Visa Infinite Business | $0 | Other | Business | Base: 1% | Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Travel: 3% Phone: 2% Office: 2% Biz: 2% |
| $550 | 9991000 | Hilton Honors American Express Aspire Card | $6,000 | Amex | Consumer | Base: 3X (1.44%) | 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. |
| $150 | 9990574 | Hilton Honors American Express Surpass® Card | $3,000 | Amex | Consumer | Base: 3X (1.44%) | 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 |
| $195 | 9990509 | Hilton Honors American Express Business Card | $6,000 | Amex | Business | Base: 3X (1.44%) | Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). |
| $0 | 9990351 | Hilton Honors American Express Card | $2,000 | Amex | Consumer | Base: 3X (1.44%) | |
| $195 | 9989805 | AAdvantage® AviatorTM Silver World Elite MasterCard® | Barclays | Consumer | Base: 1X (1.4%) | Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else |
|
| $99 | 9990881 | AAdvantage Aviator Red World Elite MasterCard | $1 | Barclays | Consumer | Base: 1X (1.4%) | Earning rate: 2X AA ✦ 1X everywhere else |
| $95 | 9989905 | AAdvantage® AviatorTM Business MasterCard® | Barclays | Business | Base: 1X (1.4%) | Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else |
|
| $49 | 9989951 | Virgin Atlantic White Card | $0 | Other | Consumer | Base: 1X (1.4%) | Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere |
| $95 | 9990694 | The Aeroplan® Card | $3,000 | Chase | Consumer | Base: 1X (1.4%) | 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 |
| $99 | 9990658 | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | $2,500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA |
| $50 | 9990000 | Citi® AAdvantage® Gold MasterCard® | Citi | Consumer | Base: 1X (1.4%) | ||
| $0 | 9990202 | American Airlines AAdvantage® MileUp® Card | $500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else |
| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) | |
| $595 | 9990328 | Citi® / AAdvantage® Executive World Elite Mastercard® | $7,500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else |
| $0 | 9990000 | Brex Cash | Other | Business | Base: 1X (1.4%) | ||
| $99 | 9990410 | Virgin Red Rewards Mastercard® | $3,000 | Other | Consumer | Base: 1X (1.4%) | |
| $95 | 9989983 | TD Aeroplan™ Visa® Credit Card | $1,000 | Other | Consumer | Base: 1X (1.4%) | Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) | |
| $95 | 9990717 | Wells Fargo Autograph Journey℠ Card | $4,000 | Wells | Consumer | Base: 1X (1.4%) | Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else |
| $0 | 9990343 | Wells Fargo One Key™ Mastercard | $1,000 | Wells | Consumer | Base: 1.5X (1.35%) | |
| $499 | 9990321 | Barclays JetBlue Premier Mastercard | $5,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X restaurants and grocery ✦ 6X JetBlue & Paisley ✦ 1X everywhere else |
| $99 | 9990793 | Barclays JetBlue Plus Mastercard | $1,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else |
| $99 | 9990515 | JetBlue Business Card | $2,000 | Barclays | Business | Base: 1X (1.3%) | Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else |
| $0 | 9990112 | JetBlue Card | $1,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ |
| $89 | 9990507 | Lufthansa Miles & More® Premier World MasterCard® issued by Barclays | $3,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X Miles & More |
| $99 | 9989847 | Asiana Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. |
| $80 | 9989920 | Asiana Airlines Visa Business Card | $0 | Other | Business | Base: 1X (1.3%) | |
| $69 | 9990758 | Southwest Rapid Rewards® Plus Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest |
| $99 | 9990627 | Southwest® Rapid Rewards® Premier Business Credit Card | $3,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. |
| $199 | 9990751 | Southwest® Rapid Rewards® Performance Business Credit Card | $5,000 | Chase | Business | Base: 1X (1.3%) | 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. |
| $99 | 9990609 | Southwest Rapid Rewards® Premier Credit Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) | 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. |
| $149 | 9990483 | Southwest Rapid Rewards® Priority Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | 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. |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
| $695 | 9990450 | The New United Club℠ Card | $5,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 5X Renowned Hotels & Resorts for United Cardmembers ✦ 4X United ✦ 2X dining & travel |
| $150 | 9990986 | The New United℠ Explorer Card | $3,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays |
| $350 | 9990918 | The New United Quest℠ Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) | |
| $0 | 9990372 | The New United Gateway(SM) Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X United ✦ 2X on United Hotels ✦ 2X gas stations ✦ 2X local transit and commuting |
| $99 | 9990367 | avianca lifemiles American Express® Card | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else |
| $249 | 9990871 | avianca lifemiles American Express® Elite Card | $10,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else |
| $70 | 9989840 | JAL USA CARD | $5,000 | Other | Consumer | Base: 1X (1.3%) | Base: 1X (1.3%) |
| $95 | 9990353 | Korean Air SKYPASS Visa issued by US Bank | $4,000 | USB | Consumer | Base: 1X (1.3%) | Earning rate: 2x on Korean Air, Hotels and Dining |
| $450 | 9990240 | Korean Air SKYPASS Select Visa issued by US Bank | $5,000 | USB | Consumer | Base: 1X (1.3%) | Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining |
| $95 | 9990465 | Korean Air SKYPASS Business Visa issued by US Bank | $5,000 | USB | Business | Base: 1X (1.3%) | Earning rate: 2X miles on Korean Air, Gas Stations, Dining |
| $95 | 9990275 | PenFed Pathfinder Rewards | $3,000 | Other | Consumer | Base: 1.5X (1.28%) | 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. |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) | |
| $0 | 9990091 | Upromise World MasterCard® issued by Barclays | $500 | Barclays | Consumer | Base: 1.25% | Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not ✦ Up to $250 cashback rewards per calendar year on gift card purchases at MyGiftCardsPlus Base: 1.25% |
| $95 | 9990050 | Rocket Mortgage Visa | $3,000 | Other | Consumer | Base: 1.25% | |
| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) | |
| $0 | 9990216 | Best Western Rewards® Visa Signature® Card | $1,500 | Other | Consumer | Base: 2X (1.22%) | Earning rate: 4X Best Western ✦ 2X everywhere else |
| $89 | 9990343 | Best Western Rewards® Premium Visa Signature® Card | $3,000 | Other | Consumer | Base: 2X (1.22%) | Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else |
| $89 | 9989911 | Best Western Rewards Premium MasterCard issued by First Bankcard | Other | Consumer | Base: 2X (1.22%) | Earning rate: 10X at Best Western properties ✦ 2X elsewhere |
|
| $0 | 9990111 | Free Spirit Travel Mastercard | $500 | Other | Consumer | Base: 1X (1.2%) | |
| $79 | 9990631 | Free Spirit Travel More Mastercard | $1,000 | Other | Consumer | Base: 1X (1.2%) | Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else |
| $79 | 9990354 | TAP MIles&Go American Express Card | $2,500 | Other | Consumer | Base: 1X (1.2%) | Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else |
| $99 | 9990324 | Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card | $3,000 | Other | Consumer | Base: 1X (1.2%) | Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else |
| $350 | 9990438 | Delta SkyMiles® Platinum Business American Express Card | $6,000 | Amex | Business | Base: 1X (1.15%) | 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) |
| $350 | 9990357 | Delta SkyMiles® Platinum American Express Card | $3,000 | Amex | Consumer | Base: 1X (1.15%) | |
| $650 | 9990200 | Delta SkyMiles® Reserve Business American Express Card | $10,000 | Amex | Business | Base: 1X (1.15%) | Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases |
| $650 | 9990158 | Delta SkyMiles® Reserve American Express Card | $5,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 3X Delta |
| $150 | 9990687 | Delta SkyMiles® Gold Business American Express Card | $4,000 | Amex | Business | Base: 1X (1.15%) | 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 |
| $150 | 9990586 | Delta SkyMiles® Gold American Express Card | $2,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets |
| $0 | 9990096 | Delta SkyMiles® Blue American Express Card | $1,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases |
| $99 | 9990303 | Emirates Skywards Rewards World Elite Mastercard | $3,000 | Barclays | Consumer | Base: 1X (1.15%) | Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
| $499 | 9990018 | Emirates Skywards Premium World Elite Mastercard | $3,000 | Barclays | Consumer | Base: 1X (1.15%) | Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
| $400 | 9989915 | CNB Crystal Visa Infinite Credit Card | $0 | Other | Consumer | Base: 1X (1.11%) | Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
| $95 | 9990740 | Chase British Airways Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) | Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
| $95 | 9990740 | Chase Iberia Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) | Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
| $95 | 9990740 | Chase Aer Lingus Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) | Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
| $99 | 9990601 | Qatar Airways Privilege Club Signature Card | $3,500 | Other | Consumer | Base: 1X (1.1%) | Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else |
| $499 | 9990481 | Qatar Airways Privilege Club Infinite Card | $6,000 | Other | Consumer | Base: 1X (1.1%) | Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else |
| $99 | 9990263 | Cathay Pacific Visa Signature card | $3,000 | Other | Consumer | Base: 1X (1.1%) | Earning rate: ✦ 3X Cathay Pacific & Hong Kong Express ✦ 2X dining & dining delivery services ✦ 1X everywhere else |
| $75 | 9990000 | Sonesta World Mastercard | $0 | Other | Consumer | Base: 1X (1.06%) | Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining |
| $75 | 9989925 | Wyndham Rewards Visa issued by Barclays | Barclays | Consumer | Base: 1X (1.01%) | ||
| $0 | 9990000 | Wyndham Rewards Visa issued by Barclays (no annual fee) | Barclays | Consumer | Base: 1X (1.01%) | Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else |
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| $0 | 9990564 | Wyndham Earner | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $75 | 9990792 | Wyndham Rewards Earner Plus Card | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $95 | 9990412 | Wyndham Rewards Earner Business Card | $12,000 | Barclays | Business | Base: 1X (1.01%) | Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
| $99 | 9990459 | Frontier Airlines World MasterCard® | $2,000 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants |
| $0 | 9990240 | Carnival® World Mastercard® | $500 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 2X Carnival ✦ 1X everywhere else |
| $0 | 9990090 | Holland America Line Rewards Visa® Card | $500 | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Holland America ✦ 1X everywhere else |
| $0 | 9990090 | Princess® Rewards Visa® Card | $500 | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Princess ✦ 1X everywhere else |
| $0 | 9990000 | Barclays Arrival™ World MasterCard® | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else |
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| $89 | 9990269 | BREEZE EASY™ VISA® CREDIT CARD | $2,000 | Barclays | Consumer | Base: 1X (1%) | 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) |
| $0 | 9990069 | BBVA ClearPoints Credit Card | $1,500 | Other | Consumer | Base: 1X (1%) | 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%) |
| $0 | 9990000 | BOA WorldPoints® Rewards for Business Visa® Card | Other | Business | Base: 1X (1%) | ||
| $0 | 9990179 | Norwegian Cruise Line® World Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel |
| $0 | 9990279 | Royal Caribbean® Visa Signature® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
| $0 | 9990279 | Celebrity Cruises® Visa Signature® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
| $59 | 9990170 | Allegiant World Mastercard® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 3x Allegiant ✦ 2x dining |
| $0 | 9990000 | Mesa Homeowners Card | Other | Consumer | Base: 1X (1%) | Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card ✦ 1x everywhere else |
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| $0 | 9990194 | Citi Shop Your Way Mastercard | $1,500 | Citi | Consumer | Base: 1X (1%) | |
| $0 | 9990079 | Caesars Rewards® Visa Signature® Card | $1,000 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990079 | MGM Rewards World Elite Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: ✦ 3X MGM ✦ 2X gas stations and grocery stores ✦ 1X elsewhere |
| $249 | 9990146 | MGM Rewards Iconic World Elite Mastercard® | $5,000 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990119 | MGM Rewards Mastercard | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else |
| $69 | 9990150 | Sun Country Airlines® Visa Signature® Card | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere |
| $0 | 9990000 | PNC Cash Rewards® Visa® Credit Card | Other | Consumer | Base: 1X (1%) | Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
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| $0 | 9990119 | Verizon Visa Card | $1,500 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990087 | Affinity Cash Rewards Visa® Signature Credit Card | $3,000 | Other | Consumer | Base: 1% | 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% |
| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% | 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% |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | 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) and 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% |
| $0 | 9990158 | Blue Cash Everyday® Card from American Express | $2,000 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9990000 | “Old” Blue Cash Card from American Express | $10 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | 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% |
|
| $0 | 9989685 | SimplyCash® Plus Business Credit Card from American Express | $15,000 | Amex | Business | Base: 1% | 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% |
| $0 | 9990190 | Priceline VIP Rewards™ Visa® Card | $500 | Barclays | Consumer | Base: 1% | Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% |
| $0 | 9990179 | AARP® Essential Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% | Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else Base: 1% Gas: 3% Other: 3% |
| $0 | 9990179 | AARP® Travel Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% | Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 2% |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | 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% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
|
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
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| $0 | 9990179 | AAA Member Rewards Visa Signature Card - Northeast | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990190 | Capital One Savor Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1% | 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% |
| $0 | 9990000 | Capital One SavorOne Cash Rewards Credit Card | CapOne | Consumer | Base: 1% | 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% |
|
| $95 | 9990000 | Capital One Savor | $0 | CapOne | Consumer | Base: 1% | 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% |
| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% | 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 gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% |
|
| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% | 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% |
| $0 | 9990190 | Disney Visa Card | $500 | Chase | Consumer | Base: 1% | Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current welcome offer makes it worth a look. Base: 1% |
| $49 | 9990330 | Disney Premier Visa Card | $1,000 | Chase | Consumer | 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% |
| $0 | 9990000 | Instacart Mastercard® | Chase | Consumer | Base: 1% | 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% |
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| $0 | 9990000 | DoorDash Rewards Mastercard® | Chase | Consumer | Base: 1% | 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% |
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| $0 | 9990090 | AARP Credit Card from Chase | $500 | Chase | Consumer | Base: 1% | |
| $0 | 9989968 | Costco Anywhere Visa | $1,500 | Citi | Consumer | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% |
| $0 | 9990000 | Costco Anywhere Business Visa | $0 | Citi | Business | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% Brand: 2% |
| $0 | 9990000 | Citi Dividend Platinum Select | Citi | Consumer | Base: 1% | Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% Other: 5% |
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| $0 | 9990000 | Bread Rewards™ American Express® Credit Card | $0 | Other | Consumer | Base: 1% | Earning rate: 3X on grocery, dining and utility purchases ✦ 25% bonus with 20+ purchases in billing cycle ✦ 1X on all other purchases Base: 1% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990100 | Discover it® | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Grocery: 5% Shop: 5% Other: 5% |
| $0 | 9990120 | Discover it® for Students | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Dine: 5% Shop: 5% Other: 5% |
| $0 | 9990000 | Simon® American Express® Credit Card from Cardless | $0 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990337 | First Tech Choice Rewards World Mastercard® | $3,000 | Other | Consumer | Base: 1% | Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% |
| $0 | 9990000 | Getaway by FNBO® Credit Card | Other | Consumer | Base: 1% | Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 3% |
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| $95 | 9990416 | HSBC Premier World Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% | Earning rate: 2x travel (includes airlines, hotels, and car rentals) Base: 1% Travel: 2% |
| $395 | 9990121 | HSBC Premier World Elite Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% | Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining Base: 1% Travel: 3% Dine: 2% |
| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 1% | 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% |
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| $0 | 9990129 | NBT Bank Everyday Rewards+ Card | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990000 | Venmo Credit Card | $0 | Other | Consumer | Base: 1% | 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% |
| $89 | 9990187 | TD First Class Visa Signature® Card | $3,000 | Other | Consumer | Base: 1% | |
| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | 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% |
| $0 | 9990540 | TD Business Solutions Visa | $10,000 | Other | Business | Base: 1% | Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% |
| $95 | 9990593 | U.S. Bank Business Leverage® Visa Signature® Card | $7,500 | USB | Business | Base: 1% | Earning rate: 2x on top two categories where you spend the most each month. Base: 1% Other: 2% |
| $85 | 9989873 | U.S. Bank FlexPerks® Gold American Express® card | $2,000 | USB | Consumer | Base: 1% | Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Travel: 2% Dine: 3% Gas: 2% |
| $0 | 9990179 | U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | 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% |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | 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% |
| $95 | 9990474 | U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD | $6,000 | USB | Business | Base: 1% | 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% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $0 | 9990000 | U.S. Bank Business Cash Rewards World Elite Mastercard | USB | Business | Base: 1% | Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gasoline 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% |
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| $0 | 9990656 | U.S. Bank Business Triple Cash Rewards World Elite™ Visa | $4,500 | USB | Business | Base: 1% | 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 gasoline 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% |
| $0 | 9990090 | Wells Fargo Attune World Elite Mastercard® | $500 | Wells | Consumer | Base: 1% | 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% |
| $85 | 9989915 | Chase Marriott Bonvoy Premier | $0 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
| $0 | 9990205 | Marriott Bonvoy Bold Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else |
| $95 | 9989857 | Citi® Expedia®+ Voyager Card | $2,000 | Citi | Consumer | Base: 1X (0.71%) | Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment |
| $0 | 9989976 | Citi® Expedia Rewards Credit Card | $1,000 | Citi | Consumer | Base: 1X (0.71%) | Earning rate: 3X Expedia purchases |
| $55 | 9990000 | U.S. Bank FlexPerks® Business Travel Rewards Visa® Card | USB | Business | Base: 1X (0.71%) | ||
| $49 | 9990000 | U.S. Bank FlexPerks® Travel Rewards Visa Signature® card | USB | Consumer | Base: 1X (0.71%) | 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). |
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| $0 | 9990378 | Wells Fargo Choice Privileges Mastercard | $1,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $95 | 9990234 | Wells Fargo Choice Privileges Mastercard Select | $3,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $49 | 9989926 | Chase IHG® Rewards Club Select Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.62%) | |
| $0 | 9990065 | LATAM Airlines Mastercard | $1,000 | Other | Consumer | Base: 1X (0.6%) | Earning rate: 3x LATAM ✦ 2x dining, rideshare and public transit ✦ 1x everywhere else |
| $99 | 9990079 | LATAM Airlines World Elite Mastercard | $2,500 | Other | Consumer | Base: 1X (0.6%) | Earning rate: 4x LATAM ✦ 3x dining, rideshare and public transit ✦ 1x everywhere else |
| $75 | 9990000 | LATAM Visa Signature issued by US Bank | $0 | USB | Consumer | Base: 1X (0.6%) | Earning rate: 2X on spending with LAN & TAM |
| $0 | 9990207 | BOA Platinum Plus Business Mastercard | $3,000 | Other | Business | Base: 0% | |
| $0 | 9990000 | Chase Slate Edge | Chase | Consumer | Base: 0% | 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.