How to Earn Rewards by Paying Rent

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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…

Credit card payment online shopping portal

Pay Rent with a Credit Card

Bilt Rewards

Bilt Rewards offers a Mastercard credit card which allows paying rent with no fees.  It’s possible to earn up to 2 points per dollar on your rent payments, but only if you also spend a considerable amount with the same card on other spend at 1 point per dollar.  Rewards from paying rent are capped at 4,000 points per month.  Despite that limitation, Bilt is probably the simplest option to earn rewards while paying rent.  Plus, Bilt Rewards points can be transferred to a number of loyalty programs in order get even more value.  American Airlines and Hyatt are two particularly notable transfer partners.  AA is notable because no other transferable points program transfers to AA 1 to 1.  Hyatt is notable because their points are usually worth over 1.5 cents each towards hotel stays and sometimes much more.  Other transfer partners include Air Canada’s Aeroplan, Air France/KLM FlyingBlue, Cathay Pacific Asia Miles, Emirates Skywards, Hawaiian Miles, IHG Rewards, Turkish Miles & Smiles, United MileagePlus, and Virgin Atlantic Flying Club.

More details about Bilt Rewards can be found here.

Plastiq Bill Payment Service

Plastiq is a bill payment service that allows paying almost any bill with a credit card for a fee (currently 2.85%).  Plastiq imposes some limits on which types of bills can be paid with different kinds of credit cards, but residential rent payments are allowed with almost any type of credit card. One exception: Capital One doesn’t allow Plastiq payments of any kind with their consumer cards, but they do allow them with their business cards.

When using a rewards credit card to make these payments, you will earn rewards as if it was a regular purchase — you will not incur cash advance fees.  Plastiq does not accept prepaid cards or gift cards.

More details about Plastiq can be found here: Complete guide to Plastiq credit card payments.

Landlord Specific Options

Many landlords accept credit card payments, but usually with a fee of around 3%.  In some cases, you’ll be offered a flat fee for paying by credit card.  In that case, the fee as a percent of spend can be very low if your rent is fairly high.

Earn rewards through welcome bonuses

Many banks offer huge bonuses when you sign up for a new card and meet the minimum spend requirements.  For example, it’s common to see an offer for 50,000 points or more after $4,000 spend in 3 months.  With these big welcome bonuses, it can be well worth paying Plastiq’s 2.85% fee (or your landlord’s credit card fee, if that’s an option) in order to meet the minimum spend requirements by paying your rent via credit card.

The following list shows the best current welcome bonuses based on our estimate of first year value.  First year value estimates include the value of points or other rewards earned minus the first year annual fee and minus the “cost” of the minimum spend (for various reasons, we assume a 3% cost, which is very close to Plastiq’s 2.85% fee).  As you can see, rewards earned from welcome bonuses can be huge:

Card Offer and Review
150K points
150K after $8K 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: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]
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.
150K Miles
Earn 150K miles after $30K spend in the 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 3/31/23: 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.
150K points
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.
5 x 50K Free Night Certificates
Earn five 50K free night certifcates after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: None. This matches the best ever.
90K points
90K after $6K spend in 3 months
No Annual Fee
Recent better offer: 90K after $6K in 3 months [Expired 3-20-23]
FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred.
100K points
100K after $8K spend in 3 months
$95 Annual Fee
Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement
FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere.
Up to 75K Points
60K after $5,000 spend in 3 months and an additional 15k points after $12,000 total spend in 6 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule.
FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays.
90K points
90K after $6K spend in 3 months
No Annual Fee
FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.
90K Miles
This offer is available only by referral and is not available through Frequent Miler. For more info, see this post by Doctor of Credit.
$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, Plaza Premium lounges, and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points.
150K Points + free night certificate
150K after $4K spend in 3 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
$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 card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least once per year, and other Hilton properties a few times a year..
75K Miles + up to $200 in statement credits
Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)
$95 Annual Fee
Information 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.
90K points
90K points after $4K in purchases in the first 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $4K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22]
FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee.
Limited Time Offer: Up to 80k miles
75k after $6k spend in first 6 months, plus an additional 5k miles after an eligible Delta purchase within the first 6 months. Offer ends 10/25/23. Terms and limitations apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $99
Recent better offer: 75K after $2K spend in first 3 months [Expired 3/29/23]
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.
Up to 100K points (call to apply)
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $550
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value)
Limited Time Offer: Up to 100k miles
90k after $8k spend in first 6 months, plus an additional 10k miles after an eligible Delta purchase within the first 6 months. Offer ends 10/25/23. Terms and limitations apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 95K after $4K in first 3 months [Expired 3-29-23]
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Up to 125K Avios
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 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 signup 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.
Up to 125K Avios
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 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 signup 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.
Up to 125K Avios
75K Avios after $5K spend in 3 months and an additional 50k Avios after $20k total spend in 12 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 signup bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe.
75K Miles
5K miles after being approved plus earn 70K miles after $1K in spend in 90 days and payment of annual fee (Use any 5 digit number for promo code)
$99 Annual Fee
Recent better offer: Expired 9/22: 80K after $1K spend in 90 days
FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.
100K points
Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months.
$95 Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
FM Mini Review: Great card for regular or frequent Air Canada flyers
80K points
80K after $6K 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]
80K Points
80K after $6K spend in first 6 months. Terms apply. (Rates & Fees)
$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 1/20/23]
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.
80K points
80K after $5K spend in first 3 months
$199 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
140K Points + $100 statement credit
140K points + $100 statement credit good towards IHG purchases within the first 12 months after $3K spend in 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 175K after $3K in spend (expired 4/6/23)
Up to 100K points (call to apply)
50K after $10K spend in 3 months + 50K after paying 2nd year annual fee
$0 introductory annual fee for the first year, then $495
Bonus offer is not available to either current or previous UBS credit cardmembers
FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value)
60K points
60K after $4K spend in 3 months
$95 Annual Fee
A similar offer with the first year annual fee waived may be found in-branch. YMMV.
FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.
65K miles
65K after $4K spend in first 4 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card usually has a great signup bonus, but if you're looking for a card to keep long term, you'll find better options.
125K Points
125K Points after $8K spend in 6 months. Terms apply. (Rates & Fees)
(Offer Expires 11/1/2023)
$125 Annual Fee
Recent better offer: 100K points after $4K spend in the first 3 months [Expired 11/2/22]
140K points
140K points $3K spend in 3 months
$99 Annual Fee
This card is expected to be subject to Chase's 5/24 rule (click here for details).
$1200 Cash Back
Earn a one-time $1200 bonus when you spend $30,000 in the first 3 months of account opening. (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.
60K miles
60K miles after $3K spend in 3 months.
$0 introductory annual fee for the first year, then $95
This card is subject to Chase's 5/24 rule (click here for details).
Information 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 8/11/22: 70K after $3K spend
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
50K Miles
Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs.
Up to 45K points
Up to 45K: 30K after $3K spend plus 1 extra point per dollar for non-bonused spend, up to $15K spend in 6 months.
$95 Annual Fee
This card is subject to Chase's 5/24 rule.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great card for signup bonus and annual free night. Might be worth using regularly for additional free night and as a path to status.
60K Points + 10X Select Travel
60K points after $4K spend in the first 3 months. Plus, earn 10x on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
$95 Annual Fee
FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Sadly, this travel card doesn't provide any travel protections.
70K Points
70K after $4K spend in 3 months
$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 12/1/22: 80K after $4K spend
FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash
$1,000 Cash Back
$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.
60K points
60K points after $3K spend in first 3 months
$99 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
50K Miles
50K after $4,500 spend in 3 months from account opening
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.
125K Points
125K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 125K points after $6K in the first 6 months and 50K points after 6 eligible paid nights at Bonvoy hotels[Expired 8/9/23]
Limited Time Offer: Up to 110k miles
100k after $12k spend in first 6 months, plus an additional 10k miles after an eligible Delta purchase within the first 6 months. Offer ends 10/25/23. Terms apply. (Rates & Fees)
$550 Annual Fee
Recent better offer: Expired 8/2/23: 100K after spending $6K in first 3 months
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
30K points + 2x coupons
30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
$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.
62K miles + Companion Fare
62K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$295 Annual Fee
FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.
50K Points + $100 Voucher
50K points plus $100 companion voucher after $1K spend in 90 days
$0 introductory annual fee for the first year, then $79
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 60K Miles
50K bonus miles after spending $4K in first 90 days + additional 10K miles after employee card purchase.
$99 Annual Fee
FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.
Up to 75K Miles
Up to 75K miles: 60K bonus miles after spending $5K in first 90 days + additional 15K miles after $15K in purchases in first 12 months
$95 Annual Fee
Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days.
2 x 85K Free Night Certificates
Receive two 85k free night certificates after $6K spend in the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 11/1/2023)
$650 Annual Fee
Recent better offer: 150K points after $6K in the first 6 months and 50K points after 6 eligible paid nights at Bonvoy hotels [Expired 8/9/23]
FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers
50K points
50K points after $1K spend in the first 3 months
$69 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year.
50K points
50K after $4.5K spend in 90 days
$400 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: With points worth 1.5 cents each towards travel, this card offers an excellent signup bonus. For ongoing use, this card is a winner for those who spend a lot on mobile payments (at 3X, rewards are worth 4.5%)
50K Miles
50K miles after $2,500 spend in first 4 months
$0 introductory annual fee for the first year, then $99
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent choice for a great signup bonus. Plus it offers the usual collection of perks for flying AA (free checked bag, priority boarding, etc.)
40K Points
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.
50K miles + $100 statement credit + Companion Fare
50K miles + $100 statement credit + Companion Fare ($99 fare + taxes) after $3K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K after $4K in 3 months [Expired 4/23]
FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
75K points
75K after $7500 spend in first 4 months
$0 introductory annual fee for the first year, then $95
FM Mini Review: Since the points are worth 1c each, this card isn't terribly rewarding for ongoing spend. Note that points can not be combined with the Altitude Reserve.
50K points
50K points after $1K spend in the first 3 months
$99 Annual Fee
This card is known to be subject to Chase's 5/24 rule.
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.
60K points
60K after $6K spend in 180 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers decent return on gas station and travel spend and it does feature no foreign transaction fees. However, the return on most other spend is relatively weak.
60K Miles + 500 PQPs
60k miles and 500 PQPs after $4K spend in the first 3 months
$250 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
50K Miles
50K miles after $3K spend in first 3 months.
$0 introductory annual fee for the first year, then $99
You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card.
Recent better offer: Expired 11/9/22: 150K (75K after $5K spend in 3 months and another 75K after $20K total spend in six months)
FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.
50K miles + 60XP points
50K miles after $2K in the first 90 days + 60 XP points upon approval
$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: 70K miles + 100XP points [Expired 9/23]
FM Mini Review: Valuable only for the welcome offer, then it should go off to the sock drawer.
50K points
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.
60K points
60K after $4K spend in 90 days
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else.
75K points
75K after $5K spend in 90 days
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status.
80K Points + $50 statement credit
80K points + $50 statement credit good towards IHG purchases within the first 12 months after $2K spend in 3 months
No Annual Fee
Recent better offer: 120K after $2K spend (expired 7/4/22)
FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit.
130K points
130K after $2K spend in 3 months. Terms apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 130K + free night certificate after $2K spend in 3 months [Expired 7/19/23]
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.
40K miles
40K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $99
Recent better offer: 70K after $2K spending in first 3 months [Expired 3/30/23]
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.
130K Points
130K after $3K spend in 3 months. Terms apply.
$95 Annual Fee
FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Amex business cards do not count towards 5/24 status so will not hurt chances of applying for Chase cards.
50K miles
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.
65K points
60K points after $1K spend in 90 days plus 5K points for adding an authorized user
$0 introductory annual fee for the first year, then $75
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Best for those who stay often at Sonesta hotels
50K points
50K after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers decent return on gas station and travel spend and it features no foreign transaction fees. However, return on most other spend is relatively weak.
90K Points
90K after $3K spend in first 3 months
$95 Annual Fee
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.
$500 Cash Back
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
No Annual Fee
Recent better offer: Expired 9/19/23: $750 after $32k 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.
80K Miles + 1,000 PQP
80k miles and 1,000 Premier qualifying points after $5k spend in first 3 months
$525 Annual Fee
This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.
Recent better offer: Expired 1/27/23: 100K after $5K spend
FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. .
70K Miles
70K points after one purchase in first 90 days by entering any 6 digit code (such as 123456)
$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.
60K miles
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.
$500 Cash Back
$500 cash back after $4500 spend on the account owner's card in first 150 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: Nice welcome bonus. Useful for its 3% categories, but you can do much better for spend outside of those categories.
$500 Cash Back
$500 after $5K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
60K Points
60K after $1K spend in first 3 months
No Annual Fee
FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status
Up to 70K miles
60K Miles after $2K spend in 90 days plus 10K miles after adding and making one purchase on an employee card, both within 90 days
$99 Annual Fee
Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days
85K Points
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K points
70K after $2K spend in 3 months. Terms apply. (Rates & Fees)
No Annual Fee
Recent better offer: 70K + free night certificate after $2K spend in 3 months. [Expired 7/19/23]
FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card.
40K miles
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.
35K miles
35K after $1K spend in first 90 days plus 5K after adding 2 authorized users
$90 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K miles
50K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)
$250 Annual Fee
Recent better offer: 85K after $4K spending in first 6 months [Expired 8/2/23]
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
25K points
25K points after $1.5K spend in 3 months
No Annual Fee
FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier, Prestige, and/or Double Cash
30K points
30K after $2K spend in 4 months
$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 cash back
$250 after $2K spend in 120 days
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is a niche choice for 6% cash back at certain retailers that some may find rewarding. Otherwise this card is not particularly exciting.
12K points
12K points after $1K spend in the first 3 billing cycles
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Up to 50K points (call to apply)
25K after $5K spend in 3 months + 25K after $50K spend in 12 months
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless.
Up to 50K points (call to apply)
25K after $5K spend in 3 months + 25K after $50K spend in 12 months
No Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers
FM Mini Review: May be worth getting for signup bonus. Otherwise this card is useless.
20K points + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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.
Recent better offer: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases
FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.
20K points + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
No Annual Fee
Be sure to select the card you want after clicking through. 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.
Recent better offer: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases
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.
35K points
35K points after $3K in 3 months
$0 introductory annual fee for the first year, then $95
Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free)
FM Mini Review: This card may be worth it for the welcome bonus and possibly for the annual rideshare benefit if you have an HSBC Premier checking account and can thus keep the card annual fee-free. Note that the points value is based on HSBC's stated value when redeemed for airfare via the HSBC portal.
5% Cashback
5% cashback for 6 months or $6K in spend
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
80K points
80K points after $3K spend in the first 3 billing cycles
$89 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K miles
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)
No Annual Fee
FM Mini Review: Decent welcome bonus for a fee-free card, but other cards offer better rewards for ongoing spend.
Up to $350 back
Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K Points
50K points after $3K spend in 90 days
$95 Annual Fee
FM Mini Review: Meh. Points are only worth about 0.85 cents each. I recommended this card when it used to be fee-free, but not for $95 per year.
30K points
30K after $1,500 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.
30K miles
30K after $3K spend in 3 months from account opening
$0 introductory annual fee for the first year, then $85
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This is basically a 2% cash back card, but rewards can only be used to offset travel purchases. Signup bonus is good, but due to the annual fee, you can do better after the first year.
20K Points
20K points after $1500 spend in the first 6 months
No Annual Fee
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.
$300 Cash Back
$300 statement credit after $3000 spend in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers a decent cash back bonus and nice ongoing perks for a card with no annual fee. While the 1.5% earnings rate is not special, the card may be appealing in situations where you anticipate price protection or travel protections being useful.
30K points
30K after $3K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$300 statement credit
$300 statement credit after $5K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K Miles
20K miles after $1K spend in first 3 months
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: Expired 8/11/22: 30K after $1K spend
30K Points
30K points after $1K spend in first 90 days
No Annual Fee
FM Mini Review: Sign up for the bonus. Keep for the 10% award discount.
$300 Cash Back
$300 statement credit after $1000 in purchases within first 3 months
$49 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.
$300 Cash Back
Earn a one time bonus: $300 after $3K spend in 3 months from account opening
$0 introductory annual fee for the first year, then $95
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Excellent cash back card for dining and entertainment spend.
$300 Cash Back
$300 statement credit after $4000 spend in first 90 days
$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.
45K Points
40K after after $3K spend in first 90 days
$95 Annual Fee
FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper.
25K points worth $250
25K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
25K points
25K points after $1K spend in 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.
35K miles
35K after $3K spend in 90 days
$95 Annual Fee
Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
30K points
30K points after $1K in the first 3 months. Terms apply.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23)
FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks
$300 Cash Back
$300 after $3000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.
Up to $200 in statement credits
$100 credit with 5G phone offer and $100 statement credit after first purchase
within 90 days of account opening.
No Annual Fee
70K miles
70K miles after $7,000 spend in first 3 months
$595 Annual Fee
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.
$200 Cash Back
$200 after $500 spend in the first 3 months
No Annual Fee
FM Mini Review: This card offers a competitive flat 2% back on purchases and includes good cell phone insurance for a fee-free card (up to $600 in protection with just a $25 deductible).
$225 Cash Back
$75 statement credit for every $500 spent within the first 90 days, up to $225
No Annual Fee
FM Mini Review: Shop Your Way points are worth .85 cents each and can only be used towards specific gift cards and merchandise. But where this card shines is with its regular offers that start to appear after putting spend on the card, often giving 10-15x cash back or Thank You Points on various categories of purchases. It's a keeper because of it.
$200 Cash Back
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.
$200 Back
$200 back after $1K spend in 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 2% cashback everywhere is decent, but this card doesn't really have anything to separate it from any other 2% cashback card.
$200 Cash Back
One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)
No Annual Fee
$200 Cash Back
$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 welcome bonus for a 2% cash back card.
$200 Cash Back
$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.
$250 back
$250 cash back as reward dollars that can be redeemed as a statement credit after $3K spend in the first 6 months. Terms Apply. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
FM Mini Review: Solid cash back option (cash back given in the form of a statement credit), especially for those who spend a lot at US Supermarkets and US gas stations
$200 Cash Back as a statement credit
$200 statement credit after $1K in purchases in first 3 months
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend.
$200 cash bonus
$200 cash rewards bonus after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
15K miles
15K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Not bad for a fee-free airline card.
$200 Cash Back
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points
20K after $1K spend in the first 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome bonus requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors.
$200 Cash Back
$200 after $1000 spend in 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Useful for its 5% categories, but you can do better for all other spend.
20K points
20K after $1K spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card offers solid return on dining - including takeout & delivery - and no annual or foreign transaction fees. That makes it a great option for those who prefer cash back.
$200 Cash Back
$200 after $1000 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
5K Points + $150 statment credit
5K Points + $150 statment credit 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.
$200 Amazon Gift Card and 6% back on Prime Day
$200 Amazon gift card and 6% back on Amazon and Whole Foods purchases on Prime Day. Terms apply.
No Annual Fee
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases.
10K miles + $50
Earn 10K AA miles + $50 statement credit after $500 spend in 3 months
No Annual Fee
FM Mini Review: Not bad for grocery spend if you highly value AA miles
$200 Cash Back as a statement credit
$200 back as a statement credit after $1K in purchases in first 6 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$150 back
$150 bonus when you spend $500 within 3 months.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back.
75K Miles
50K miles after $3K spend in first 3 months.
$450 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: While pricey, the Chase United MileagePlus® Club Business Card is a great choice for those who want a United club membership
$300 back
$300 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
60K Miles
60K miles after $5K spend in first 6
months. Terms apply. (Rates & Fees)
$550 Annual Fee
Recent better offer: Expired 8/2/23: 85K after spending $6K in first 6 months
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
10K Points
10K after $1K spend in 3 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.
$200 cash back
$200 cash back after $3K spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: The Affinity Cash Rewards Visa Signature card could be really interesting for its rotating categories since the fine print indicates that it stacks on top of ordinary earnings.
$150 Statement Credit
$150 statement credit after $1000 in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward a statement credi
$150 Cash Back
$150 in rewards (15K points) after $1000 in purchases in first 120 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Decent welcome bonus for very low spenders and nice ongoing 4x (effectively 4%) back on dining with no annual fee, but note that rewards expire 5 years from the end of the quarter in which they are earned and there is a $25 mininum redemption threshold.
15K Points
15K after $1K spend in 3 months. Terms apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K after $2K in first 3 months
FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.
$50 + First Year Double + $20/year
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No Annual Fee
Information 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.
$60 Amazon Gift Card and 3% back for 90 days
$60 Amazon gift card and 3% back on up to $1,500 in purchases for three months after account opening. Terms apply.
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.
$125 Amazon Gift Card
Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)
No Annual Fee
FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.
10K miles
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-fee card, but many/most other cards offer better return for spend.
10K Points
10K after $500 spend in 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
10K points
10K points after first purchase in 90 days
No Annual Fee
FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Celebrity. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards.
$100 Back
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
$100 + First Year Double
Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.
No Annual Fee
Information 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.
15K points
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
$100 Cash Back
$100 statement credit after $500 spend in first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus.
$100 Cash back
$100 cash back after $500 spend in the first 90 days
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 10/31/22: $150 after $500 in spend
FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend.
$100 statement credit
$100 statement credit after $1K Spend in 3 Months
No Annual Fee
FM Mini Review: This has a good gas station bonus for a no annual fee card, but there's not much else to make it a compelling card
15K miles
15K after $1K in first 90 days
$59 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: 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.
$200 Statement Credit
$200 statement credit with $3k spend in the first 90 days
$95 Annual Fee
FM Mini Review: By means of "Rocket Points" this is really a 1.25%-5% cashback card. Could be useful to build some cash towards a down payment, lackluster otherwise.
None
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).
5,000 points
5K after $500 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: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee.
5,000 points
5K after $500 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: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee.
50K points
50K after $4K spend in 3 months
$395 Annual Fee
FM Mini Review: Points are worth 1.5c each when redeemed for airfare through the HSBC portal. Could be worthwhile for a welcome bonus, but not rewarding enough to justify keeping beyond the first year.
15K Points
15K points after $1,500 spend in 90 days
No Annual Fee
FM Mini Review: A decent-ish no annual fee card, given the 5x and 3x categories. Points are are only worth .85 cents each, so really the 5x is 4.25x and the 3x is 2.55x. There's probably better options out there.
No standard bonus
Earn a mystery bonus of 4x, 5x, or 10x on every dollar spent for the first 30 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: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards.
None
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 month.
No Annual Fee
Note that many people see a offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card.
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 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).
None

No Annual Fee
FM Mini Review: Given the recent downward spiral of Brex, there's probably better places to concentrate business spending.
No Welcome Bonus

No Annual Fee
FM Mini Review: With most of this card's category bonuses, you can do better with other cards. If you do find a useful category and max out the $2K spend each quarter, you'll come out only $80 ahead per year compared to using a 2% cash back card.
No Welcome 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: Excellent cash back card for everyday spend with no foreign transaction fee.
No Welcome 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: Excellent cash back card for everyday spend.
None
This card no longer features a first-year bonus.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good cash back card for everyday spend as long as you do not spend more than $20K per billing cycle (at which point a 2% card would be better). Lack of foreign transaction fees is a positive.
None
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: This card could be a good option for someone looking for a 2% cash back Mastercard, though keep in mind that the Citi DoubleCash is a competitor that earns at the same rate while offering points which could become transferable to airline partners, whereas the SoFi credit card only earns cash back rewards.
None
There is currently no welcome bonus offered.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
There is currently no welcome offer on this card
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.
First Year Double
All cash back 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.
No Welcome Bonus

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
No Welcome Bonus

No Annual Fee
Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
None
None
No Annual Fee
After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
None
This card does not currently feature an introductory bonus.
No Annual Fee
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.
None
0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
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.
3% back for 12 months
3% cash back for 12 months on up to $20K in purchases
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: While the headline is 3% back for a year, the bonus itself is an extra 1.5% back on up to $20K in purchases for the first year. That's certainly not a bad return on otherwise unbonused spend, but many other cards on the market that offer even moderately good welcome bonuses offer greater net return with significantly less spend.
0% APR on balance transfers
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.
0% APR for 12 months
0% introductory APR on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 18.49% - 26.49% depending on creditworthiness. (Rates & Fees)
No Annual Fee
0% APR for 12 months
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner.
None
This card is no longer available
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward Fanatics gift cards, so this card could be a good deal for its bonus categories.
$150 (call to apply)
$150 after $5,000 spend in 3 months
$150 Annual Fee
Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.
FM Mini Review: The annual fee kills the value here
Up to $600
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.

Earn spend bonuses: elite status, free nights, etc.

Many credit cards offer bonuses for meeting high spend thresholds. You can find a comprehensive list here: Best big spend bonuses.  Whether or not it makes sense paying Plastiq’s fee in order to reach these thresholds depends upon how much you value elite status or other rewards earned.

Here are a few examples:

  • World of Hyatt: Earn one free Cat 1-4 night certificate after $15K spend in a calendar year, plus get 2 elite qualifying night credits with each $5K of spend.  $15,000 of rent paid through Plastiq would cost $427.50 in fees.  If you care about elite status, that’s not a bad price for 6 elite nights, a free night, and 15,000 Hyatt points.
  • Amex Delta Reserve or Delta Reserve Business: Spend $30,000, get 15,000 Medallion Qualifying Miles (towards elite status). At $60,000, $90,000, and $120,000 you’ll get another 15,000 Medallion Qualifying Miles.  To help you decide if it’s worth paying fees to meet these thresholds, see: What is Delta elite status worth?
  • Amex Delta Platinum or Delta Platinum Business: Spend $25,000, get 10,000 Medallion Qualifying Miles (towards elite status). At $50,000 spend, get another 10,000 Medallion Qualifying Miles.  To help you decide if it’s worth paying fees to meet these thresholds, see: What is Delta elite status worth?
  • Southwest Plus, Southwest Premier, Southwest Priority, Southwest Premier Business, or Southwest Performance Business: With Southwest, when you earn 125,000 points in a calendar year (including points earned from credit card spend) you get a companion pass good for an unlimited number of flights for the rest of that year and all of the next calendar year.
  • Barclaycard JetBlue Plus, or JetBlue Business: Spend $50,000 and get Mosaic status which offers free checked bags; expedited security; early boarding; free drinks; enhanced point earnings; and 15,000 bonus points upon qualifying.

Earn rewards through spend

Not many cards earn rewards worth more than 2.85% when not considering welcome bonuses, bonus categories, or big-spend bonuses, but there are a few.  Based on our estimated point values (Reasonable Redemption Values), you can earn up to 3.1% with the right card.  That said, that’s such a small increment in value over Plastiq’s 2.85% fee that I wouldn’t recommend bothering with this unless you need the points for an even more valuable award.

The following table shows the cards that earn the best rewards for spend that is not within a bonus category.  Actually, if you press “next” often enough, you’ll find all of the cards in our database, but the first ones are those that offer the best rewards for everyday spend.

Card Info Name and Earning Rate (no offer)
Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)
Base: 2X (3.1%)
Earning rate: After spending $15,000 within your cardmember year, the base earning rate becomes 3x. This is applied for both the first $15K of spend and future spend within the same cardmember year. Note that there is a $7,500 monthly cap on 3x rewards
Base: 3X (3%)
Earning rate: 1.5 miles per dollar for all spend. All Miles are doubled at the end of your first card membership year.
Base: 3%
Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase)
Base: 2X (2.9%)
Earning rate: 2X Miles everywhere ⚬ Earn 5X miles on hotel and rental car
bookings through Capital One Travel
Base: 2X (2.9%)
Travel: 5X (7.25%)
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else.
Base: 2X (2.9%)
Travel: 10X (14.5%)
Other: 10X (14.5%)
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ⚬ 5x miles on flights booked via Capital One travel. ⚬ 2X miles everywhere else.
Base: 2X (2.9%)
Travel: 10X (14.5%)
Other: 10X (14.5%)
Earning rate: 2X miles everywhere ⚬ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 2X (2.9%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Base: 2.625X (2.63%)
Travel: 5.25X (5.25%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ⚬ 2.625X everywhere else
Base: 2.625X (2.63%)
Travel: 3.5X (3.5%)
Dine: 3.5X (3.5%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
Base: 2.625X (2.63%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
Base: 2.625X (2.63%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Base: 2.625X (2.63%)
Travel: 5.25X (5.25%)
Earning rate: ⚬ 2X Amtrak ⚬ 2X dining ⚬ 1X elsewhere
Base: 1X (2.56%)
Dine: 2X (5.12%)
Brand: 2X (5.12%)
Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel, dining, transit, and rideshare ⚬ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back)
Base: 2.5%
Earning rate: 2X everywhere
Base: 2X (2.4%)
Earning rate: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ⚬ 3x points at US gas stations ⚬ 1.5x points on other purchases.
Base: 1.5X (2.33%)
Gas: 3X (4.65%)
Grocery: 4.5X (6.98%)
Earning rate: 1.5% cash back everywhere in the form of Go Far Rewards ⚬ 1.8% back on Google Pay or Apple Pay purchases for the first 12 months
Base: 1.5X (2.25%)
Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025
Base: 1.5X (2.25%)
Other: 5X (7.5%)
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else
Base: 1.5X (2.25%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: Collect 1 $110 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. Collect 10 stamps, get 1 reward night.
Base: 0.002X (2.2%)
Earning rate: 1.5X miles everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel
Base: 1.5X (2.18%)
Travel: 5X (7.25%)
Earning rate: ⚬ 2X in the top 3 spend categories each calendar quarter through 12/31/24 (then the top 2 categories after that). Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ⚬ 4X Hyatt
Base: 1X (2.1%)
Brand: 4X (8.4%)
Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt
Base: 1X (2.1%)
Travel: 2X (4.2%)
Dine: 2X (4.2%)
Brand: 4X (8.4%)
Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month
Base: 2X (2%)
Earning rate: 2X everywhere
Base: 2X (2%)
Earning rate: 2X everywhere
Base: 2X (2%)
Earning rate: 2X Miles on all purchases
Base: 2X (2%)
Earning rate: 2X Miles on all purchases
Base: 2X (2%)
Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1%
Base: 2%
Earning rate: 3% cash back when you check out with PayPal ⚬ 2% cash back everywhere else
Base: 2%
Brand: 3%
Earning rate: 3% cash back when you check out with PayPal ⚬ 2% cash back everywhere else
Base: 2%
Brand: 3%
Earning rate: 2X everywhere
Base: 2%
Earning rate: 2X everywhere
Base: 2%
Earning rate: 2.5% cash back on purchases of $5,000 or more ⚬ 5% back on travel purchased through Chase Ultimate Rewards ⚬ 2% cash back on all other spend
Base: 2%
Other: 5%
Earning rate: 2% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel
Base: 2%
Travel: 5%
Earning rate: 2% everywhere
Base: 2%
Earning rate: 2% everywhere
Base: 2%
Earning rate: 2% everywhere
Base: 2%
Earning rate: 2% cash back as a statement credit on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.
Base: 2%
Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 2X (2.6%)
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Earning rate: 10X IHG ⚬ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ⚬ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
Earning rate: 10X IHG ⚬ 5X travel, dining, and gas stations ⚬ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ⚬ 1.2X on other purchases
Base: 1.2X (1.86%)
Grocery: 2.4X (3.72%)
Earning rate: 1.25X miles everywhere ⚬ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 1.25X (1.81%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 1.8% back everywhere
Base: 1.8%
Dine: 1.8%
Gas: 1.8%
Other: 1.8%
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else.
Base: 1.75%
Travel: 5.25%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Earning rate: 6X Marriott ⚬ 4X dining, internet, cable and phone service ⚬ 4X gas stations and shipping ⚬ 2X everywhere else.
Base: 2X (1.6%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: ⚬ 6X Marriott Bonvoy ⚬ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ⚬ 2X everywhere else
Base: 2X (1.6%)
Dine: 3X (2.4%)
Gas: 3X (2.4%)
Grocery: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: ⚬ 6X Ritz & Marriott.⚬ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ⚬ 2X everywhere else
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 6X Marriott.⚬ 4X restaurants & grocery on up to $15K spend per year ⚬ 2X everywhere else
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: 6X Marriott.⚬ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ⚬ 2X on all other eligible purchases
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: 6x at Marriott Bonvoy properties ⚬ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ⚬ 2x on all other eligible purchases. Terms Apply. (Rates & Fees)
Base: 2X (1.6%)
Dine: 4X (3.2%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 6X Marriott ⚬ 2X on all other eligible purchases
Base: 2X (1.6%)
Brand: 6X (4.8%)
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 everywhere else
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 3X (4.65%)
Other: 3X (4.65%)
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 2X (3.1%)
Shop: 2X (3.1%)
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.
Base: 1X (1.55%)
Gas: 2X (3.1%)
Grocery: 3X (4.65%)
Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases
Base: 1X (1.55%)
Grocery: 2X (3.1%)
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Gas: 3X (4.65%)
Biz: 3X (4.65%)
Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.
Base: 1X (1.55%)
Travel: 4X (6.2%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Biz: 4X (6.2%)
Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.
Base: 1X (1.55%)
Travel: 2X (3.1%)
Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 3X (4.65%)
Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Grocery: 4X (6.2%)
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply.
Base: 1X (1.55%)
Travel: 5X (7.75%)
Other: 1.5X (2.33%)
Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
Base: 1X (1.5%)
Travel: 3X (4.5%)
Gas: 2X (3%)
Grocery: 2X (3%)
Earning rate: 5X gas, grocery, drugstore for 6 months
Base: 1X (1.5%)
Earning rate: 5X gas, grocery, drugstore for 6 months
Base: 1X (1.5%)
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Gas: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ⚬ 3X travel and mobile wallet payments
Base: 1X (1.5%)
Travel: 3X (4.5%)
Shop: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines
Base: 1X (1.5%)
Travel: 2X (3%)
Dine: 3X (4.5%)
Gas: 2X (3%)
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month).
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Grocery: 2X (3%)
Phone: 2X (3%)
Other: 2X (3%)
Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 2X (3%)
Office: 2X (3%)
Other: 2X (3%)
Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels ⚬ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 3X (4.5%)
Biz: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter (Q3 2023: gas stations, EV charging and select live entertainment)
Base: 1X (1.5%)
Dine: 3X (4.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q2 2023: Amazon, Whole Foods In-Store and Lowe's).
Base: 1X (1.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025) ⚬ 10% annual point bonus
Base: 1X (1.5%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025)
Base: 1X (1.5%)
Travel: 10X (15%)
Dine: 3X (4.5%)
Other: 10X (15%)
Earning rate: ⚬ 3X Travel ⚬ 1.5X everywhere else
Base: 1.5X (1.5%)
Travel: 3X (3%)
Earning rate: 1.5% cash back for all spend.
Base: 1.5X (1.5%)
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (3%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return.
Base: 1.5X (1.5%)
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (3%)
Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ⚬ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals.
Base: 1.5%
Grocery: 2.5%
Shop: 2.5%
Other: 2.5%
Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.
Base: 1.5%
Earning rate: 6x on first $1,500 in purchases each quarter with two retailers you choose ⚬ 3x on first $1,500 in purchases per quarter on one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
Base: 1.5%
Gas: 2%
Other: 6%
Earning rate: 1.5 miles per dollar for all spend.
Base: 1.5%
Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Travel: 5%
Earning rate: 1.5% on all eligible purchases
Base: 1.5%
Earning rate: 1.5% on all eligible purchases
Base: 1.5%
Earning rate: 1.5% everywhere
Base: 1.5%
Earning rate: 1.5% everywhere
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%
Earning rate: 1.5% everywhere
Base: 1.5%
Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Travel: 5%
Other: 5%
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Base: 1.5%
Travel: 2%
Dine: 2%
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Base: 1.5%
Travel: 2%
Dine: 2%
Earning rate: 1.5% everywhere
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%
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ⚬ 1x on all other purchases
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Gas: 5X (7.25%)
Grocery: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: ⚬ 3 points per $1 at gas stations ⚬ 2 points per $1 oat grocery stores ⚬ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Gas: 3X (4.35%)
Grocery: 2X (2.9%)
Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 2X (2.9%)
Shop: 2X (2.9%)
Brand: 2X (2.9%)
Earning rate: ⚬ 3 points per $1 on products and services that are purchased directly from AT&T ⚬ 3 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 3X (4.35%)
Shop: 3X (4.35%)
Brand: 3X (4.35%)
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: 5x on travel booked through Citi Travel Portal through June 30 2024 (excludes air travel) ⚬ 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Travel: 5X (7.25%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: 2X dining and entertainment
Base: 1X (1.45%)
Dine: 2X (2.9%)
Other: 2X (2.9%)
Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies
Base: 1X (1.45%)
Travel: 3X (4.35%)
Dine: 3X (4.35%)
Gas: 3X (4.35%)
Grocery: 3X (4.35%)
Earning rate: 5X airfare, dining, and travel agencies ⚬ 3X hotels and cruise line ⚬ 1X everywhere else
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Earning rate: 3x travel ⚬ office supply ⚬ professional services
Base: 1X (1.45%)
Other: 3X (4.35%)
Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 5X (2.4%)
Gas: 5X (2.4%)
Grocery: 5X (2.4%)
Brand: 7X (3.36%)
Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Brand: 12X (5.76%)
Earning rate: ⚬ 14X Hilton spend ⚬ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ⚬ 3X on all other eligible purchases ⚬ Terms & Limitations Apply.
Base: 3X (1.44%)
Travel: 7X (3.36%)
Dine: 7X (3.36%)
Brand: 14X (6.72%)
Earning rate: 8x Rideshare ⚬ 5x Brex Travel ⚬ 4x Restaurants ⚬ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ⚬ 1x everywhere else
Base: 1X (1.4%)
Travel: 5X (7%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 4X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 2X social media and search engine advertising, internet, cable, and phone services ⚬ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 3X (4.2%)
Phone: 2X (2.8%)
Biz: 2X (2.8%)
Brand: 4X (5.6%)
Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 2X (2.8%)
Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 3X (3.99%)
Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Office: 2X (2.66%)
Brand: 6X (7.98%)
Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Earning rate: 2X miles on Korean Air, Gas Stations, Dining
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 2x on Korean Air, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases
Base: 1X (1.3%)
Brand: 2X (2.6%)
Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America
Base: 1X (1.3%)
Gas: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 2X Avianca
Base: 1X (1.3%)
Brand: 2X (2.6%)
Earning rate: 4X AA ⚬ 10X hotels booked through AA.com/Hotels ⚬ 10X car rentals booked through AA.com/Cars ⚬ 1X everywhere else
Base: 1X (1.3%)
Brand: 4X (5.2%)
Other: 10X (13%)
Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else
Base: 1X (1.3%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X Air Canada ⚬ 3X grocery stores ⚬ 3X dining ⚬ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ⚬ 1X everywhere else
Base: 1X (1.3%)
Dine: 3X (3.9%)
Grocery: 3X (3.9%)
Brand: 3X (3.9%)
Earning rate: 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 3X United ⚬ 2X restaurants including eligible delivery services ⚬ 2X on all other travel ⚬ 2X select streaming
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ⚬ 4X United ⚬ 2X dining & travel
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 4X (5.2%)
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 2X Asiana
Base: 1X (1.3%)
Brand: 2X (2.6%)
Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana.
Base: 1X (1.3%)
Gas: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere
Base: 1X (1.3%)
Brand: 3X (3.9%)
Earning rate: 3X Alaska Airlines ⚬ 2X gas, shipping and local transit including rideshare purchases ⚬ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 3X Alaska Airlines ⚬ 2X gas, cable, streaming services and local transit including ride share purchases ⚬ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Phone: 2X (2.6%)
Office: 2X (2.6%)
Earning rate: 2X AA ⚬ 1X everywhere else
Base: 1X (1.3%)
Brand: 2X (2.6%)
Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets
Base: 1X (1.3%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X Delta ⚬ 2X restaurants ⚬ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24)
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 3X Delta
Base: 1X (1.3%)
Brand: 3X (3.9%)
Earning rate: 3X Delta ⚬ 1.5X on all eligible purchases per calendar year after spending $150K
Base: 1X (1.3%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Earning rate: 5x Gas and EV Charging ⚬ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ⚬ 1X everywhere else.
Base: 1.5X (1.28%)
Dine: 3X (2.55%)
Gas: 5X (4.25%)
Grocery: 3X (2.55%)
Other: 3X (2.55%)
Earning rate: 4X Travel for PenFed Honors Advantage Members ⚬ 3X travel otherwise ⚬ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members.
Base: 1.5X (1.28%)
Travel: 4X (3.4%)
Earning rate: ⚬ 5X IHG ⚬ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ⚬ 2X everywhere else
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
Earning rate: 5x Rocket Points everywhere
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.
Base: 1.25%
Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else
Base: 1X (1.2%)
Dine: 2X (2.4%)
Grocery: 2X (2.4%)
Brand: 3X (3.6%)
Earning rate: 2X Spirit
Base: 1X (1.2%)
Brand: 2X (2.4%)
Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else
Base: 1X (1.11%)
Travel: 3X (3.33%)
Dine: 3X (3.33%)
Earning rate: ⚬ 2X Cathay Pacific ⚬ 1.5X dining ⚬ 1.5X purchases outside of the US ⚬ 1X everywhere else
Base: 1X (1.09%)
Dine: 1.5X (1.64%)
Brand: 2X (2.18%)
Other: 1.5X (1.64%)
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Earning rate: 10X at Best Western properties ⚬ 2X elsewhere
Base: 2X (1.08%)
Brand: 10X (5.4%)
Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%
Base: 1.05X (1.05%)
Earning rate: Earn Verizon Dollars: 4% grocery & gas ⚬ 3% dining ⚬ 2% Verizon (including monthly wireless bill) ⚬ 1% everywhere else
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 4X (4%)
Brand: 2X (2%)
Earning rate: 3x Allegiant ⚬ 2x dining
Base: 1X (1%)
Dine: 2X (2%)
Brand: 3X (3%)
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Base: 1X (1%)
Brand: 2X (2%)
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Base: 1X (1%)
Brand: 2X (2%)
Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel
Base: 1X (1%)
Travel: 2X (2%)
Brand: 3X (3%)
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ⚬ 2x dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 2X (2%)
Earning rate: 2x travel (includes airlines, hotels, and car rentals)
Base: 1X (1%)
Travel: 2X (2%)
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (3%)
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ⚬ 4X travel, gas stations and EV charging ⚬ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Other: 5X (5%)
Earning rate: 4X travel and gas stations ⚬ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ⚬ 2X grocery (including meal kit delivery), gas stations, and streaming services
Base: 1X (1%)
Dine: 4X (4%)
Gas: 2X (2%)
Grocery: 2X (2%)
Earning rate: Choose one of ten categories for 3x and one for 2x each quarter, then 1x everywhere else. Must choose 3x and 2x categories before each quarter starts or all purchases will default to 1x. You may select your categories as early as the first day of the preceeding quarter. Bonus categories are not capped.
Base: 1X (1%)
Earning rate: 3X travel & dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Earning rate: ⚬ 3X Travel, Dining and Gas ⚬ 1X everywhere else
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2023: Restaurants and Wholesale Clubs)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2023: Restaurants and Wholesale Clubs)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Earning rate: 5X gas ⚬ 3X grocery and dining ⚬ 2X Sears and KMart
Base: 1X (1%)
Dine: 3X (3%)
Gas: 5X (5%)
Grocery: 3X (3%)
Other: 2X (2%)
Earning rate: 4X gas stations ⚬ 3X dining ⚬ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined)
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 2X (2%)
Earning rate: ⚬ 2X Miles for travel and dining ⚬ 1X everywhere else
Base: 1X (1%)
Travel: 2X (2%)
Dine: 2X (2%)
Earning rate: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Base: 1%
Dine: 3%
Gas: 3%
Phone: 3%
Office: 3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Base: 1%
Gas: 3%
Phone: 3%
Office: 3%
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores
Base: 1%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: 2x on top two categories where you spend the most each month.
Base: 1%
Other: 2%
Earning rate: 3% phone, internet and cable services ⚬ 2% dining and gas stations
Base: 1%
Dine: 2%
Gas: 2%
Phone: 3%
Earning rate: Up to 5% back on eligible purchases at participating Simon destination retailers, along with select
online purchases. ⚬ Up to 3% back on all eligible purchases made at Simon
destinations ⚬ Up to 1.5 percent back on all other purchases.
Base: 1%
Brand: 5%
Other: 3%
Earning rate: 4x gas ⚬ 4x bars, restaurants, and select food delivery services ⚬ 4x on Pelicans tickets ⚬ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store
Base: 1%
Dine: 4%
Gas: 4%
Brand: 4%
Other: 4%
Earning rate: 5x on Marlins tickets ⚬ 5% back on retail & concessions at IoanDepot Park ⚬ 3x on dining, food delivery, gas and drugstores ⚬ 1x on everything else
Base: 1%
Dine: 3%
Brand: 5%
Other: 3%
Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ⚬ 3x at bars, restaurants, and select delivery services ⚬ 1x everywhere else
Base: 1%
Dine: 3%
Brand: 5%
Other: 5%
Earning rate: 5x rideshare and streaming services ⚬ 5x bars and restaurants on match days ⚬ 1x everywhere else
Base: 1%
Dine: 5%
Other: 5%
Earning rate: 5x Cavs season tickets and streaming services ⚬ 3x other Cavs tickets, dining, grocery, and delivery ⚬ 1x everywhere else
Base: 1%
Dine: 3%
Grocery: 3%
Brand: 5%
Earning rate: ⚬ 3% dining ⚬ 2% grocery stores
Base: 1%
Dine: 3%
Grocery: 2%
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $3500 in purchases per month) ⚬ Extra 5% back in rotating categories ⚬ 2% back at restaurants, gas stations, and supermarkets
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Other: 5%
Earning rate: None
Base: 1%
Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)
Base: 1%
Brand: 3%
Other: 3%
Earning rate: 5x online purchases until 1/31/21 ⚬ 3x grpcery on up to $1250 per quarter
Base: 1%
Grocery: 3%
Shop: 5%
Earning rate: 5x on up to $1500 in purchases per quarter in the category of your choice out of Travel, Restaurants, Utilities [water, cell, electric, etc.], In-Store Wholesale Purchases [Costco, Sam’s Club, etc.], Department Stores, Hardware & Home Improvement Stores, Charitable Organizations, Pharmacies & Drug Stores, Amazon.com ⚬ 3x gas ⚬ 2x groceries
Base: 1%
Gas: 3%
Grocery: 2%
Other: 5%
Earning rate: 3x travel & dining ⚬ 2x gas
Base: 1%
Travel: 2%
Dine: 3%
Earning rate: 4x entertainment ⚬ 3x dining ⚬ 2x travel
Base: 1%
Travel: 2%
Dine: 3%
Other: 4%
Earning rate: 2X gas and grocery ⚬ 3X NBA purchases ⚬ 5X on all purchases during the NBA All-Star Weekend and two weeks of the NBA finals
Base: 1%
Gas: 2%
Grocery: 2%
Brand: 3%
Other: 5%
Earning rate: 5x in rotating categories, up to $1500 spend per quarter.
Base: 1%
Dine: 5%
Grocery: 5%
Shop: 5%
Other: 5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year.
Base: 1%
Grocery: 5%
Other: 5%
Earning rate: ⚬ 4% gas & EV charging (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Brand: 2%
Earning rate: ⚬ 4% gas and EV charging (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Earning rate: 3% on your eligible top spend category ⚬ 2% on your second top category ⚬ 1% everywhere else ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment
Base: 1%
Earning rate: 3% restaurants and gas stations.
Base: 1%
Dine: 3%
Gas: 3%
Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 2%
Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else
Base: 1%
Gas: 3%
Other: 3%
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ⚬ 1X everywhere else
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.
Base: 1%
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%
Travel: 5%
Dine: 4%
Grocery: 3%
Other: 4%
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ⚬ 1% everywhere else ⚬ 8% cash back on Capital One Entertainment purchases ⚬ 5% on hotels and rental cars booked via Capital One Travel
Base: 1%
Travel: 5%
Dine: 3%
Grocery: 3%
Other: 3%
Earning rate: 4x Dining, takeout, & delivery ⚬ 2x grocery stores, grocery delivery, gas station, and streaming services ⚬ 1x everywhere else
Base: 1%
Dine: 4%
Gas: 2%
Grocery: 2%
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants.
Base: 1%
Dine: 2%
Gas: 2%
Brand: 5%
Earning rate: ⚬ 5% US office supply stores and US wireless phone services ⚬ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ⚬ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Base: 1%
Travel: 3%
Gas: 3%
Phone: 5%
Office: 5%
Biz: 3%
Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 3% back at Whole Foods ⚬ 3% back on Chase Travel purchases ⚬ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ⚬ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 5% back at Whole Foods ⚬ 5% back on Chase Travel purchases ⚬ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ⚬ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ⚬ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Earning rate: ⚬ Up to 5% Cash Back as a statement credit at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ⚬ Up to 1% Cash Back as a statement credit on other purchases. ⚬ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ⚬ Terms Apply.
Base: 1%
Grocery: 5%
Other: 5%
Earning rate: ⚬ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ⚬ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ⚬ 1% cash back as a statement credit on other purchases ⚬ Terms apply.
Base: 1%
Gas: 3%
Grocery: 3%
Shop: 3%
Earning rate: ⚬ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ⚬ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back as a statement credit US gas stations ⚬ 1% cash back as a statement credit on other purchases ⚬ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ⚬ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: ⚬ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ⚬ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants
Base: 1X (0.95%)
Dine: 3X (2.85%)
Brand: 5X (4.75%)
Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else
Base: 1X (0.88%)
Dine: 4X (3.52%)
Gas: 6X (5.28%)
Grocery: 4X (3.52%)
Brand: 6X (5.28%)
Earning rate: ⚬ 5X Wyndham & gas ⚬ 2X restaurants & grocery ⚬ 1X everywhere else
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 3X (2.64%)
Earning rate: ⚬ 5X Wyndham ⚬ 2X gas, utility, & grocery ⚬ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Other: 2X (1.76%)
Earning rate: ⚬ 3X Marriott Bonvoy ⚬ 2X travel ⚬ 1X everywhere else
Base: 1X (0.8%)
Travel: 2X (1.6%)
Brand: 3X (2.4%)
Earning rate: ⚬ 2X airline, car rental, & restaurants ⚬ 5X Marriott.
Base: 1X (0.8%)
Travel: 2X (1.6%)
Dine: 2X (1.6%)
Brand: 5X (4%)
Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta
Base: 1X (0.75%)
Travel: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Grocery: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Office: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: 3X Expedia purchases
Base: 1X (0.71%)
Brand: 3X (2.13%)
Earning rate: 4X Expedia purchases ⚬ 2x restaurants & entertainment
Base: 1X (0.71%)
Dine: 2X (1.42%)
Brand: 4X (2.84%)
Other: 2X (1.42%)
Earning rate: 10X at Choice Hotels ⚬ 5X at gas stations, grocery stores, home improvement stores, and phone plans ⚬ 1X everywhere else
Base: 1X (0.68%)
Gas: 5X (3.4%)
Grocery: 5X (3.4%)
Phone: 5X (3.4%)
Brand: 10X (6.8%)
Earning rate: 5X at Choice Hotels ⚬ 3X at gas stations, grocery stores, home improvement stores, and phone plans ⚬ 1X everywhere else
Base: 1X (0.68%)
Gas: 3X (2.04%)
Grocery: 3X (2.04%)
Phone: 3X (2.04%)
Brand: 5X (3.4%)
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
Base: 1X (0.63%)
Dine: 2X (1.26%)
Gas: 2X (1.26%)
Grocery: 2X (1.26%)
Brand: 5X (3.15%)
Earning rate: 2X on spending with LAN & TAM
Base: 1X (0.62%)
Brand: 2X (1.24%)
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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Jinxed_K

@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.

Another Jeff

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.

rich

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.

Cindy B

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.