Pay taxes via credit card 2022 edition

You might not like paying taxes, but when you pay taxes via credit card can be quite rewarding. The key is to earn credit card rewards that more than offset tax payment fees. For example, if you’ve signed up recently for a card that requires large spend to get a big welcome bonus, paying taxes via credit card can be the solution.

Since last publication the following updates have been made: Updated credit card and debit card processing fees. Removed expired 2021 deals and deadlines.

Here’s everything you need to know about paying taxes with credit cards…

Important due dates

2021 Tax Year Due Dates

• January 17 2022: 4th quarter 2021 estimated taxes due.
  (Payable online from 10/15/21 to ?)
• April 15 2022: End of year taxes due.

2022 Tax Year Due Dates

• April 15, 2022: 1st quarter 2022 estimated taxes due.
  (Payable online from 03/01/22 – 05/15/22)
• June 15, 2022: 2nd quarter 2022 estimated taxes due.
  (Payable online from 05/15/22 – 07/15/22)
• September 15, 2022: 3rd quarter 2022 estimated taxes due.
  (Payable online from 07/15/22 – 10/15/22)
• January 16, 2023: 4th quarter 2022 estimated taxes due.
  (Payable online from 10/15/22 – ?)
• April 17, 2023: End of year taxes due.

Deals

Current Deals

• Hilton free night certificate offer with just $8K spend by 2/28/22 (Targeted)
• Amex Authorized User Bonuses.  Amex lately has been offering a slew of bonuses for adding authorized users but they require spend on the new cards to trigger the bonuses. Using those cards to pay taxes is a good way to meet that spend.
• Amex +4 Referral Offer.  It’s too late to get in on this offer new, but if you succeeded in referring a friend to trigger the +4 everywhere offer while it was available, you have 3 months from the date of the referral to earn an additional 4x points on all valid spend (on up to $25K spend total).  Paying about 2% to earn 5 points per dollar or more (depending upon what card you use) is a great deal.
• Barclays spend offers (spend $2K in Nov, Dec, and Jan)

Future Deals

• Discover It will offer 5% back on PayPal (and restaurants) on up to $1,500 spend, July – September 2022.  PayUSATax allows payments via PayPal.  See the Pay with PayPal section below for details regarding working around a PayUSATax/PayPal bug.

Pay taxes via credit card: Key Info

Here is key information you’ll need to know about paying taxes with credit or debit cards:

Credit card fee 1.87% to 1.98%

The IRS maintains a list of companies that accept credit and debit cards towards tax payments. You can find the current information by clicking here. Currently there are three separate payment processing companies on the list. At the time of this writing, debit card fees range from $2.20 to $2.55 per transaction and credit card fees range from 1.87% to 1.98%. Alternatively, you can pay taxes via the Plastiq Bill Pay service, but that will cost you more: 2.85%.

Additional Info Direct from the IRS

The IRS page that lists options for paying by credit or debit card also lists the following “Additional Information”:

• No part of the card service fee goes to IRS.
• You don’t need to send in a voucher if you pay by card.
• Card processing fees are tax deductible for business taxes.
• You must contact the card processor to cancel a card payment.
• IRS will refund any overpayment unless you owe a debt on your account.
  [Editor’s caution: In recent years the IRS has been very slow to do so]
• Your card statement will list your payment as “United States Treasury Tax Payment” and your fee as “Tax Payment Convenience Fee” or something similar.
• Federal tax lien releases can take up to 30 days after we receive full payment; liens may remain for other individuals who haven’t fully paid their portion.
• When you pay while filing your taxes through online software, different card fees apply.

Two payment limit per processor

The IRS maintains a table of frequency limits for paying taxes via credit or debit card (found here). In general, they say you can make up to two payments per tax period per type of tax payment. For example, you can make 2 payments every quarter to your quarterly estimated taxes, and you can make 2 payments every year to your annual taxes. Important: In my experience, these limits are enforced per payment processing company. That means that you can really make up to 6 payments per tax period per type of tax payment (or more if you make Plastiq bill payments as well). An IRS advisor I spoke with several years ago did not think that there would be any problem with making more than 2 payments by using different processors. Since then, I have made more than 2 payments per tax period many times and never had any issues. That is, of course, just my own personal experience. I can’t guarantee that your outcome would be the same.

Twice as many potential payments when filing jointly

If you file jointly with a partner, you can make payments in each person’s name, separately.  These payments will still apply to the one overall tax return, but not always automatically.  According to reader reports, in some cases the IRS matches these payments to the combined return automatically.  In other cases, people have reported the need to call the IRS to ask them to combine the payments.  I recommend calling shortly after filing your annual taxes to ensure that the IRS has correctly applied both sets of payments to the same return.

Obviously if you are filing separately, you can each make your own payments without any issues.

No cash advance fees

I’m often asked whether credit card companies charge cash advance fees when paying taxes by credit card. The answer is no. All three official IRS payment processors agree (via their FAQ pages) that the payment is treated as a purchase not a cash advance. You can find FAQ info here, here, and here.

Unlimited payments via Plastiq

If you’re willing to incur higher fees, you can make an unlimited number of tax payments via the Plastiq bill pay service. Plastiq usually charges 2.85% to pay bills (including taxes) via credit card, but they occasionally offer lower fees via short term promotions. For details, please see: Plastiq Bill Payment Service.

To pay taxes via Plastiq, use Plastiq’s tax payment screen: plastiq.com/us-taxes.

Are tax payment fees deductible?

Fees are no longer deductible for personal taxes: Tax preparation fees used to be deductible when itemizing deductions for personal tax returns, but that is no longer the case.

Card processing fees are tax deductible for business taxes: This can substantially reduce your net cost of using payment services.

Tax payment history (how to see your info online)

Once you’ve made payments through online processors, Plastiq, or other means, you may want to see proof that the IRS received the amount you sent. You can view past payments by signing up here: irs.gov/payments/view-your-tax-account.

Reporting estimated payments

Estimated payments should be reported when filing your annual taxes. In my experience, if you make a mistake and forget to report some of these payments, the IRS will eventually catch the error and refund the difference.

How to pay end of year taxes

Tell your tax preparer or tax software that you’ll pay via check. Then, browse to the appropriate tax payment site (e.g. Pay1040.com, OfficialPayments.com, PayUSAtax.com, or Plastiq.com/us-taxes) to pay your taxes. There is no need to mail in the 1040V payment voucher.

What happens if you over-pay your taxes?

Overpayments will be refunded: The IRS will refund any overpayment unless you owe a debt on your account.  Update/Caution: In recent years the IRS has been very slow to refund overpayments.

How to request a refund if it doesn’t come automatically

Schedule an appointment with the Taxpayer Assistance Center by calling 844-545-5640.  When you finally speak to an agent, explain that you overpaid and would like a refund rather than applying the extra to next year’s taxes.  Hat Tip: Rapid Travel Chai via personal communication.

Do you need to mail in payment vouchers?

No. No payment voucher is required. You don’t need to send in a voucher if you pay by card.

Pay with Paypal

PayUSATax allows payments via PayPal.  Sometimes cards like the Discover It, Discover It Student, and Chase Freedom offer 5% rewards for Paypal purchases (up to $1500 combined spend per quarter).  Tax payments during these times should count!

NOTE: There is a weird issue with selecting to pay with PayPal on the PayUSATax website. When clicking the PayPal button, a screen flashes up and disappears.  But I believe I’ve found a work-around: Put in valid credit card information first (for any credit card) and then press the PayPal button.  When doing it this way, I got the PayPal screen to successfully load.

Pay with Samsung Pay & Google Pay

Some tax payment websites support mobile wallet payments such as Samsung Pay or Google Pay. The US Bank Altitude Reserve card earns 3X for mobile wallet payments, so it should be a great match. However, readers have reported that Samsung Pay and Google Pay are only supported through Visa Checkout and that this does not trigger the Altitude’s 3X rewards.

Amex Express Checkout

Since Amex is strict about not counting manufactured spending towards new credit card welcome bonuses, tax payments are a great alternative. The nice thing about Amex Express Checkout is that you can use it to make payments even if you don’t have your card. If you recently signed up for a new Amex card and added it to your online account but haven’t yet received the physical card, you should still be able to pay through Amex Express Checkout.

Top 5 reasons to pay federal taxes with a credit card or gift card

1. Profit

A number of credit cards earn cash rewards greater than 2%. One great option is to earn 3% cash back in your first year of card membership:

• 3% first year:
  

  Card Offer and Details

  Discover it Miles - Double Miles your first year     ➥More   ⓘ $100 1st Yr Value Estimate $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     Info about this card 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. Card Type: Discover Base 1.5% Earning rate: 1.5 miles per dollar for all spend. Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem miles for travel or for cash back (1 cent per mile either way) See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer

Since you’ll earn 3% cash back on both the base tax payment and the processing fees with the above cards, your profit will be slightly more than 1% of your tax payment.

Example:

• $10,000 tax payment + 1.96% fee = $10,196
• Cash back earned at 3% = $305.88
• Profit = $305.88 – $196 = $109.88 (1.1% of $10K)

For more examples of cards that earn better than 2% rewards, see: Best Rewards for Everyday Spend.

2. Meet minimum spend requirements

If you recently signed up for new credit cards, chances are good that you have to spend thousands of dollars in order to earn the associated signup bonuses. Paying taxes is a cheap and easy way to accomplish that.

Below are some of the most valuable current welcome bonuses for consumer cards.  If you’re interested in business cards, please click here to see the best business card offers.

Click on a card for details; Press “Next” to see more offers:

Card Offer
The Platinum Card® from American Express     ➥More   ⓘ $1978 1st Yr Value Estimate 150K Points 150K after $6K spend in first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: 125K after $6K in purchases in the first 6 months + 10x at restaurants worldwide on up to $25K in purchases in the first 6 months. 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]
Capital One Venture X Rewards Credit Card     ➥More   ⓘ $1205 1st Yr Value Estimate 100K miles + Up to $200 statement credit Earn a one-time bonus of 100K Capital One miles after $10K spend in the first 6 months + a limited-time bonus of up to $200 in statement credits for vacation rentals charged to your card in the first year $395 Annual Fee
The Platinum Card® from American Express Exclusively for Morgan Stanley     ➥More   ⓘ $1203 1st Yr Value Estimate 100K points 100K after $6K spend in first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee     Info 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]
The Platinum Card® from American Express for Schwab     ➥More   ⓘ $1203 1st Yr Value Estimate 100K points 100K 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. Info 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]
American Express® Gold Card     ➥More   ⓘ $1140 1st Yr Value Estimate 75K Points + up to $250 back 75K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees) $250 Annual Fee     Info 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: This is the best we've seen
The Aeroplan® Card     ➥More   ⓘ $1137 1st Yr Value Estimate 2 50K Reward Certificates + Elite Status 2 50K Reward Certificates after $4K spend in 3 months + Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year. Note that reward certificates never expire as long as your card remains open $95 Annual Fee     This card is likely subject to Chase's 5/24 rule (click here for details).
Chase British Airways Visa Signature® Card     ➥More   ⓘ $900 1st Yr Value Estimate 100K Avios Get 100K Avios after $5K spend in first 3 months. Also get 5x on purchases with British Airways, Aer Lingus, and LEVEL for first 12 months (then 3x) and 3x on hotels booked directly with the hotel for first 12 months (then 2x) $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Chase Aer Lingus Visa Signature® Card     ➥More   ⓘ $900 1st Yr Value Estimate 100K Avios Get 100K Avios after $5K spend in first 3 months. Also get 5x on purchases with British Airways, Aer Lingus, and LEVEL for first 12 months (then 3x) and 3x on hotels booked directly with the hotel for first 12 months (then 2x) $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Chase Iberia Visa Signature® Card     ➥More   ⓘ $900 1st Yr Value Estimate 100K Avios Get 100K Avios after $5K spend in first 3 months. Also get 5x on purchases with British Airways, Aer Lingus, and LEVEL for first 12 months (then 3x) and 3x on hotels booked directly with the hotel for first 12 months (then 2x) $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
UBS Visa Infinite     ➥More   ⓘ $825 1st Yr Value Estimate Up to 100K points (call to apply) 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee No Annual Fee First Year, Then $495     Bonus offer is not available to either current or previous UBS credit cardmembers
Chase IHG® Rewards Club Premier Credit Card     ➥More   ⓘ $803 1st Yr Value Estimate 125K + Free night 125K points + free night certificate valid for one night up to 40K points after $3K spend in 3 months No Annual Fee First Year, Then $89     This card is subject to Chase's 5/24 rule (click here for details).
AAdvantage Aviator Red World Elite MasterCard     ➥More   ⓘ $780 1st Yr Value Estimate 60K miles 60k miles after 1st purchase. First year fee waived. No Annual Fee First Year, Then $99     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Venture Rewards Credit Card     ➥More   ⓘ $772 1st Yr Value Estimate 60K miles Earn a one-time bonus of 60K Capital One miles after $3K spend in the first 3 months $95 Annual Fee     Recent better offer: 100K: 50K after $3K in the first 3 months + 20K after $20K in the first 6 months [Expired 7/19/21]
Alaska Airlines Visa Signature     ➥More   ⓘ $754 1st Yr Value Estimate 60K miles + $100 statement credit + Companion Fare 60K miles + $100 statement credit + Companion Fare ($99 + taxes) after $3K spend in 3 months $75 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to 67K miles: 42K miles + Companion Fare ($99 + taxes) after $2K spend in 3 months + 25K miles after $8K total purchases in first 6 months [Expired during 2021]
Marriott Bonvoy Boundless™ Credit Card     ➥More   ⓘ $753 1st Yr Value Estimate 3 Free Night Certificates (up to 50K each) 3 Free Night Certificates (valid for a single night each up to 50K points) after $3K in the first 3 months + 10x on up to $2500 in combined spend at gas stations, restaurants, and grocery stores in first 6 months. $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). See Also: Are you eligible for a new Marriott card? Recent better offer: Earn 5 50K free night certificates after $5K spend in 3 months [Expired 10/28/20]
Chase Sapphire Preferred Card     ➥More   ⓘ $745 1st Yr Value Estimate 60K Points 60K after $4K spend in 3 months $95 Annual Fee     Recent better offer: 100K after $4K in purchases in the first 3 months
American Express® Green Card     ➥More   ⓘ $731 1st Yr Value Estimate 50K Points + up to $150 back 50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. (Rates & Fees) $150 Annual Fee     Info 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: This is the best we've seen
Citi® / AAdvantage® Platinum Select® World Elite MasterCard     ➥More   ⓘ $729 1st Yr Value Estimate 60K miles 60K miles after $3,000 spend in the first 3 months No Annual Fee First Year, Then $99     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase United Explorer Card     ➥More   ⓘ $729 1st Yr Value Estimate 60K Miles 60K after $3K spend in 3 months (Offer Expires 1/26/2022) No Annual Fee First Year, Then $95     This card is subject to Chase's 5/24 rule (click here for details).
Chase United Quest Card     ➥More   ⓘ $705 1st Yr Value Estimate 80K Miles 80K after $5K spend in first 3 months $250 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 9/23/21: 100K miles after $10K total spend
Hilton Honors American Express Aspire Card     ➥More   ⓘ $695 1st Yr Value Estimate 150K Points + free weekend night 150K after $4K spend in 3 months. Free weekend night every year - first certificate is awarded 8-12 weeks after approval. Terms apply. $450 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
United Club℠ Infinite Card     ➥More   ⓘ $690 1st Yr Value Estimate 100K miles 100K miles after $5K spend in the first 3 months. (Offer Expires 1/26/2022) $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 9/29/20: 100K miles after $5K spend
Air France KLM World Elite Mastercard     ➥More   ⓘ $640 1st Yr Value Estimate 50K miles + $100 statement credit + 60XP points 50K miles + $100 statement credit after $2K in the first 90 days + 60XP points upon approval $89 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. Bank Altitude Reserve Visa Infinite Card     ➥More   ⓘ $608 1st Yr Value Estimate 50K points 50K after $4.5K spend in 90 days $400 Annual Fee
Chase Sapphire Reserve Card     ➥More   ⓘ $605 1st Yr Value Estimate 60K Points 60K after $4K spend in 3 months $550 Annual Fee
Chase Freedom Flex     ➥More   ⓘ $570 1st Yr Value Estimate 20K points + 5X gas + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on gas purchases for 1st year (on up to $6K in purchases). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. 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. Info 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
Free Spirit Travel More Mastercard     ➥More   ⓘ $552 1st Yr Value Estimate 35K Points + $100 statement credit + $100 Voucher 35K points plus $100 statement credit and $100 companion voucher after $1K spend in 90 days No Annual Fee First Year, Then $79     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: 40K miles + $100 companion voucher after $1K in purchases in first 90 days.
Barclays JetBlue Plus Mastercard     ➥More   ⓘ $549 1st Yr Value Estimate 50K Miles 50K miles after $1K spend and payment of the annual fee in 90 days $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: You could get a bonus 5K miles for using an employee code. Details here. Recent better offer: Expired 2/4/21: 100K after $6K spend
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays     ➥More   ⓘ $546 1st Yr Value Estimate Up to 75K miles Up to 75K miles: 50K after $3K spend in 90 days + 25K miles after $20K spend in first year $89 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None. This is the best we've seen.
Frontier Airlines World MasterCard®     ➥More   ⓘ $529 1st Yr Value Estimate Up to 60K miles Up to 60K miles: 40K after $500 spend in 90 days plus 20K after $2K in the first 6 months. No Annual Fee First Year, Then $79     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase Southwest Airlines Rapid Rewards® Plus Card     ➥More   ⓘ $475 1st Yr Value Estimate 40K Points 40K Points after $1K Spend in 3 Months $69 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)
Sonesta World Mastercard     ➥More   ⓘ $465 1st Yr Value Estimate 65K points 60K points after $1K spend in 90 days plus 5K points for adding an authorized user No Annual Fee First Year, Then $75     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase Southwest Airlines Rapid Rewards Priority Credit Card     ➥More   ⓘ $463 1st Yr Value Estimate 40K Points 40K Points after $1K Spend in 3 Months $149 Annual Fee     This card is known to be subject to Chase's 5/24 rule. Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)
Delta SkyMiles® Gold Credit Card from American Express     ➥More   ⓘ $462 1st Yr Value Estimate 40K miles 40K miles after $1K spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee First Year, Then $99     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K
U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD     ➥More   ⓘ $460 1st Yr Value Estimate 50K points 50K after $2K spend in 120 days No Annual Fee First Year, Then $95
Bank of America Premium Rewards     ➥More   ⓘ $450 1st Yr Value Estimate 50K points 50K after $3K spend in 90 days $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Emirates Skywards Rewards World Elite Mastercard     ➥More   ⓘ $447 1st Yr Value Estimate 50K Miles + 1 Year Silver status 50K after $3K spend in 90 days $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase Southwest Airlines Rapid Rewards Premier Credit Card     ➥More   ⓘ $445 1st Yr Value Estimate 40K Points 40K Points after $1K Spend in 3 Months $99 Annual Fee     This card is known to be subject to Chase's 5/24 rule. Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months)
Hilton Honors American Express Surpass® Card     ➥More   ⓘ $445 1st Yr Value Estimate Up to 180K points Up to 180K points: 130K after $2K Spend in the first 3 months + 50K after $10K total spend in first 6 months. Terms apply. $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: 2 free weekend night certificates after $2K spend in first 3 months.
Chase IHG® Rewards Club Traveler Credit Card     ➥More   ⓘ $432 1st Yr Value Estimate 80K Points 80K Points after $2K spend in 3 months No Annual Fee     Click here to view details about a similar card: IHG Rewards Club Premier Recent better offer: 100K after $2K spend in 3 months
Hilton Honors American Express Card     ➥More   ⓘ $430 1st Yr Value Estimate Up to 130K points Up to 130K points: 80K after $1K spend in 3 months + 50K after $5K total spend in first 6 months. Terms apply. (Rates & Fees) No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi Custom Cash Card     ➥More   ⓘ $423 1st Yr Value Estimate 30K Points 30K points after $1K spend in the first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
Chase World of Hyatt Credit Card     ➥More   ⓘ $415 1st Yr Value Estimate 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. Alternate offer: Up to $300 in statement credits for Hyatt purchases in the first 12 months plus a Category 1-7 free night certificate after $3K spend in the first 3 months Recent better offer: 60K: 40K after $3K in 3 months + 20K after $6K total in 6 months (Expired 1/9/19)
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays     ➥More   ⓘ $411 1st Yr Value Estimate Up to 80K miles Up to 80K miles: 60K after $2K in the first 90 days + 20K after a total of $4K spend in 6 months $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: You may be able to get 60K miles after 1st purchase via paper application distributed in-flight.
Delta SkyMiles® Platinum Credit Card from American Express     ➥More   ⓘ $404 1st Yr Value Estimate 50K miles + 5K MQMs + up to $100 in statement credits 50K miles + 5K MQMs after $2K in purchases in the first 3 months plus up to $100 in statement credits for purchases at US restaurants in the first 3 months. Terms apply. (Rates & Fees) $250 Annual Fee     Info 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 + 10K MQMs
Avianca Vuela Visa Card     ➥More   ⓘ $371 1st Yr Value Estimate 40K LifeMiles 40K after first purchase $149 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Virgin Atlantic World Elite Mastercard     ➥More   ⓘ $355 1st Yr Value Estimate Up to 35K miles Up to 35K miles: 30K after $1K spend in first 90 days plus 5K after adding 2 authorized users $90 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. Bank FlexPerks® Gold American Express® card     ➥More   ⓘ $335 1st Yr Value Estimate 30K points 30K after $2K spend in 4 months $85 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
UBS Visa Signature     ➥More   ⓘ $300 1st Yr Value Estimate 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
Chase Freedom Unlimited     ➥More   ⓘ $300 1st Yr Value Estimate Extra 1.5x everywhere + 15 months 0% APR Earn an extra 1.5x everywhere on up to $20K in purchases for the first 12 months. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. 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.
HSBC Premier World Mastercard® credit card     ➥More   ⓘ $290 1st Yr Value Estimate 35K points 35K points after $3K in 3 months No Annual Fee 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)
Best Western Rewards Premium MasterCard issued by First Bankcard     ➥More   ⓘ $285 1st Yr Value Estimate 80K points 80K points after $3K spend in the first 3 billing cycles $59 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One VentureOne Rewards Credit Card     ➥More   ⓘ $284 1st Yr Value Estimate 20K miles Earn a bonus of 20K after $500 spend in 3 months from account opening No Annual Fee     Alternate offer: Some people are targeted for a 40K offer. See this post for more detail.
Royal Caribbean® Visa Signature® Credit Card     ➥More   ⓘ $280 1st Yr Value Estimate 10K points + $200 statement credit 10K points + $200 statement credit after $1K spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Celebrity Cruises® Visa Signature® Credit Card     ➥More   ⓘ $280 1st Yr Value Estimate 10K points + $200 statement credit 10K points after first purchase in 90 days plus $200 statement credit after $1K in purchases in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
PenFed Pathfinder Rewards     ➥More   ⓘ $278 1st Yr Value Estimate 50K Points 50K points after $3K spend in 90 days $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wyndham Rewards Earner Card     ➥More   ⓘ $274 1st Yr Value Estimate 30K Points + $50 statement credit 30K points after $1K spend in first 90 days + $50 statement credit after first purchase No Annual Fee     Info 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 10/14/21: 60K after $2K spend
Wyndham Rewards Earner Plus Card     ➥More   ⓘ $272 1st Yr Value Estimate 45K Points 45K points after $1K spend in first 90 days $75 Annual Fee     Info 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 10/14/21: 90K after $2K spend
PNC Premier Traveler® Visa Signature Credit Card     ➥More   ⓘ $270 1st Yr Value Estimate 30K miles 30K after $3K spend in 3 months from account opening No Annual Fee First Year, Then $85     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi Rewards+ Card     ➥More   ⓘ $267 1st Yr Value Estimate 20K points 20K points after $1.5K spend in 3 months No Annual Fee
JetBlue Card     ➥More   ⓘ $249 1st Yr Value Estimate 20K miles 20K after $1K spend in 90 days No Annual Fee     Info 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: 9/2017: 15K after $1K spend
Korean Air SKYPASS Visa issued by US Bank     ➥More   ⓘ $244 1st Yr Value Estimate 30K miles 30K miles after $3K spend in 90 days $95 Annual Fee     Info 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: 40K after $2.5K spend targeted (last reported 2/26/2016) 30K: 15K after first purchase + 15K after $2k spend in 90 days 25K: 15K after first purchase, 10K after $2K spend in first 3 months (expired 1/18)
United Gateway Card     ➥More   ⓘ $243 1st Yr Value Estimate 20K Miles 20K miles after $1K spend in first 3 months (Offer Expires 1/26/2022) No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Hotels.com Rewards Visa Credit Card     ➥More   ⓘ $242 1st Yr Value Estimate Up to $250 in reward nights Get two reward nights worth $125 each when you spend $1,000 on purchases in the first 3 months. Excludes taxes and fees. If your reward night costs less than $125, you won't get the difference. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Disney Premier Visa Card     ➥More   ⓘ $241 1st Yr Value Estimate $300 Cash Back $300 statement credit after $1000 in purchases within first 3 months $49 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Savor     ➥More   ⓘ $240 1st Yr Value Estimate $300 Cash Back Earn a one time bonus: $300 after $3K spend in 3 months from account opening No Annual Fee First Year, Then $95     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Bank of America Travel Rewards     ➥More   ⓘ $235 1st Yr Value Estimate 25K points worth $250 25K after $1K spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Norwegian Cruise Line® World Mastercard®     ➥More   ⓘ $230 1st Yr Value Estimate 25K points 25K after $1K spend in the first 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Cathay Pacific Visa Signature card     ➥More   ⓘ $229 1st Yr Value Estimate 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. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K after $2,500 spend in 90 days
Citi AAdvantage® Executive World Elite MasterCard®     ➥More   ⓘ $228 1st Yr Value Estimate 60K miles 60K miles after $6K spend in first 3 months $450 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K after $7.5K spend in 3 months
AT&T Access Card     ➥More   ⓘ $202 1st Yr Value Estimate 15K points + $100 statement credit 15K ThankYou Points after $1K Spend in 3 Months + $100 statement credit after $250 in AT&T purchases in the first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Choice Privileges® Visa Signature® Card issued by Barclays     ➥More   ⓘ $201 1st Yr Value Estimate 32K points 32K points after $1K spend in first 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to 75K points + 4x everywhere: 50K after $1K spend in 90 days + 25K after $2K total spend in 180 days. 2 additional points per dollar for all spend until December 31, 2021 (for a total of 4 points per dollar on everyday purchases) [Expired 9/21]
Miami Marlins Credit Card     ➥More   ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Cleveland Cavaliers Credit Card     ➥More   ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee     Info 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 were briefly available at launch
Capital One Quicksilver     ➥More   ⓘ $193 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Capital One SavorOne Cash Rewards Credit Card     ➥More   ⓘ $190 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Wells Fargo Active Cash Card     ➥More   ⓘ $190 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in the first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
TD First Class Visa Signature® Card     ➥More   ⓘ $190 1st Yr Value Estimate 25K points 25K after $3K spend in first 6 billing cycles. No Annual Fee First Year, Then $89     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Schwab Investor Card® from American Express     ➥More   ⓘ $185 1st Yr Value Estimate $200 Cash Back $200 statement credit after $1K in purchases in first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Bank of America Unlimited Cash Rewards     ➥More   ⓘ $185 1st Yr Value Estimate $200 cash bonus $200 cash rewards bonus after $1K spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Avianca Vida Visa Card     ➥More   ⓘ $184 1st Yr Value Estimate 20K LifeMiles 20K after first purchase $59 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Radisson Rewards Premier Visa Signature Card     ➥More   ⓘ $182 1st Yr Value Estimate Up to 85K Points 50K after first purchase + 35K after $2,500 spend in first 90 days $75 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AAA Member Rewards Visa Signature Card     ➥More   ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Amazon Prime Rewards Visa     ➥More   ⓘ $180 1st Yr Value Estimate $200 Amazon Gift Card Eligible Prime members get a $200 Amazon.com Gift Card upon approval. Terms apply. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD     ➥More   ⓘ $180 1st Yr Value Estimate 20K points 20K after $1K spend in 90 days No Annual Fee
Bank of America Customized Cash Rewards     ➥More   ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19]
American Airlines AAdvantage MileUp Card     ➥More   ⓘ $172 1st Yr Value Estimate 10K miles + $50 Earn 10K AA miles + $50 statement credit after $500 spend in 3 months No Annual Fee
American Express Cash Magnet® Card     ➥More   ⓘ $170 1st Yr Value Estimate $200 Cash Back $200 back after $1K in purchases in first 6 months. Terms apply. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Emirates Skywards Premium World Elite Mastercard     ➥More   ⓘ $167 1st Yr Value Estimate 60K Miles + 1 Year Gold status 60K after $3K spend in 90 days $499 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Marriott Bonvoy Bold Credit Card     ➥More   ⓘ $165 1st Yr Value Estimate 30K points 30K after $1K spend in 3 months No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). See Also: Are you eligible for a new Marriott card?
Blue Cash Everyday® Card from American Express     ➥More   ⓘ $160 1st Yr Value Estimate $200 back $200 back after $2K in the first 6 months Terms apply. (Rates & Fees) No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Disney Visa Card     ➥More   ⓘ $150 1st Yr Value Estimate $150 Cash Back $150 statement credit after $500 in purchases in first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Marriott Bonvoy Brilliant™ American Express® Card     ➥More   ⓘ $150 1st Yr Value Estimate 75K points + up to $200 in statement credits 75K points after $3K in the first 3 months + up to $200 in statement credits for purchases at US restaurants in the first 6 months. Terms apply. (Rates & Fees) $450 Annual Fee     Recent better offer: None. This is the best offer we've seen.
PRICELINE REWARDS VISA® CARD     ➥More   ⓘ $150 1st Yr Value Estimate $150 Cash back $150 statement credit after first purchase No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Blue Cash Preferred® Card from American Express     ➥More   ⓘ $145 1st Yr Value Estimate $300 back $300 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees) $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)
Blue Cash Preferred® Card from American Express     ➥More   ⓘ $145 1st Yr Value Estimate $300 back $300 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees) $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Amex EveryDay® Credit Card from American Express     ➥More   ⓘ $141 1st Yr Value Estimate 10K points 10K after $1K spend in 3 months. Terms apply. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Upromise World MasterCard® issued by Barclays     ➥More   ⓘ $141 1st Yr Value Estimate $150 Cash back $150 cash back after $500 spend in the first 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
TD Cash Visa Credit Card     ➥More   ⓘ $140 1st Yr Value Estimate $150 Cash Back $150 after $500 spend in 90 days. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
U.S. Bank Cash+     ➥More   ⓘ $140 1st Yr Value Estimate $150 $150 after $500 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Affinity Cash Rewards Visa® Signature Credit Card     ➥More   ⓘ $140 1st Yr Value Estimate $200 cash back $200 cash back after $3K spend in first 90 days No Annual Fee     Join Affinity by donating at least $5 to the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Amex EveryDay® Preferred Credit Card from American Express     ➥More   ⓘ $123 1st Yr Value Estimate 15K Points 15K after $1K spend in 3 months. Terms apply. $95 Annual Fee     Info 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
Discover it® for Students     ➥More   ⓘ $120 1st Yr Value Estimate $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     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Delta SkyMiles® Blue Credit Card from American Express     ➥More   ⓘ $111 1st Yr Value Estimate 10K miles 10K miles after $500 spend in the first 3 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. Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store Info 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: 10K miles after $500 spend in the first 3 months + up to $200 in statement credits for purchases at select US home furnishings stores in the first 3 months. [Expired 5/5/21]
Free Spirit Travel Mastercard     ➥More   ⓘ $111 1st Yr Value Estimate 10K Points 10K after $500 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Discover it Miles - Double Miles your first year     ➥More   ⓘ $100 1st Yr Value Estimate $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     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Verizon Visa Card     ➥More   ⓘ $98 1st Yr Value Estimate $100 in Verizon credit Up to $100 in credit applied over 24 monthly wireless bills No Annual Fee
Delta SkyMiles® Reserve Credit Card from American Express     ➥More   ⓘ $96 1st Yr Value Estimate 50K miles + 10K MQMs + $100 50K miles + 10K MQMs after $5K spend in the first 3 months + $100 back on US restaurant spend in first 3 months. Terms apply. (Rates & Fees) $550 Annual Fee     Info 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: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]
AARP® Travel Rewards Mastercard®     ➥More   ⓘ $90 1st Yr Value Estimate $100 Cash Back $100 after $500 spend in 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AARP® Essential Rewards Mastercard®     ➥More   ⓘ $90 1st Yr Value Estimate $100 Cash Back $100 after $500 spend in 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase Slate Edge     ➥More   ⓘ $85 1st Yr Value Estimate $100 Cash Back Earn $100 statement credit after $500 in purchases in first 6 months 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.
Citi® Expedia Rewards Credit Card     ➥More   ⓘ $84 1st Yr Value Estimate 15K points 15K after $1K spend in 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Allegiant World Mastercard® Credit Card     ➥More   ⓘ $71 1st Yr Value Estimate 15K miles 15K after $1K in first 90 days $59 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: You may be targeted for an offer including a $100 statement credit during a dummy booking.
BBVA ClearPoints Credit Card     ➥More   ⓘ $70 1st Yr Value Estimate $100 statement credit $100 statement credit after $1.5K in first 90 days. Note: This card is not available online without an invitation code. You may need to first open a checking account and then apply by phone or apply in-branch. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Korean Air SKYPASS Select Visa issued by US Bank     ➥More   ⓘ $69 1st Yr Value Estimate 30K miles 30K miles after $3K spend in 90 days $450 Annual Fee     Info 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 $3K in 90 days
Discover it®     ➥More   ⓘ $50 1st Yr Value Estimate $50 + First Year Double Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
CNB Crystal Visa Infinite Credit Card     ➥More   ⓘ $50 1st Yr Value Estimate None No bonus at this time. $400 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi® Expedia®+ Voyager Card     ➥More   ⓘ $37 1st Yr Value Estimate 25K points 25K after $2K spend in 3 months $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
HSBC Premier World Elite Mastercard® credit card     ➥More   ⓘ $25 1st Yr Value Estimate 50K points 50K after $4K spend in 3 months $395 Annual Fee
Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank     ➥More   ⓘ $10 1st Yr Value Estimate $10 Cash Back $10 after first purchase No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Fidelity Rewards Visa     ➥More   ⓘ $0 1st Yr Value Estimate None There is currently no welcome bonus offered. No Annual Fee     Info 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: $100 back after $1K in first 3 months
Alliant Cashback Visa Signature Card     ➥More   ⓘ $0 1st Yr Value Estimate None This card no longer features a first-year bonus. No Annual Fee     Join Alliant by donating at least $10 to Foster Care to Success Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Santander® Ultimate Cash Back® credit card     ➥More   ⓘ $0 1st Yr Value Estimate 3% back for 12 months 3% cash back for 12 months on up to $20K in purchases No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Huntington Voice     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Costco Anywhere Visa     ➥More   ⓘ $0 1st Yr Value Estimate 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
Manchester United Credit Card     ➥More   ⓘ $0 1st Yr Value Estimate Earn Double Points Earn double points in your first year, up to 100K bonus points No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K points were briefly available at launch
Citi Double Cash Card     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Recent better offer: None
Venmo Credit Card     ➥More   ⓘ $0 1st Yr Value Estimate Up to 6% back Through 12/31/21, earn 6% cash back on your eligible top spend category, 4% on the next, and 2% on all other purchases 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. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None

3. Buy points cheaply

Several credit cards offer up to 1.5 transferable points or miles per dollar. In these cases, a 2% tax payment fee (rounding up a little) means that you can essentially buy miles for 1.3 cents each. Even better, some cards earn 2 transferable points per dollar for all qualifying purchases.  With these 2X everywhere cards you can essentially buy points/miles for 1 cent each.  Either way, if you plan to use your points toward high value awards, this is a cheap way to acquire those points.

2X Example:

• $10,000 tax payment + 2% fee = $10,200
• Miles earned at 2X = 20,400
• Cost per mile = $200 / 20,400 = 0.98 cents per mile (round up to 1 cent per mile)

1.5X Example:

• $10,000 tax payment + 2% fee = $10,200
• Miles earned at 1.5X = 15,300
• Cost per mile = $200 / 15,300 = 1.3 cents per mile

Cards that offer 2X transferable points per dollar:

Note that some cards offering 2x everywhere are not included below because their points are worth much less than airline miles. An example is that most Marriott cards offer 2x everywhere rewards.

• Citi Double Cash: Earns 2 cents per dollar, uncapped. Cash rewards can be converted to ThankYou points, and when paired with a Citi Premier or Prestige card, those points can be transferred to a selection of airline and hotel programs.
  

  Card Offer and Details

  Citi Double Cash Card     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Recent better offer: None     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. Card Type: Mastercard World Elite Base 2X (2.9%) Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase) Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases

• Amex Blue Business Plus: Earns 2 Membership Rewards points per dollar on up to $50K spend per calendar year. Points can be transferred to a large selection of airline programs or to a few hotel programs.
  

  Card Offer and Details

  The Blue Business® Plus Credit Card from American Express     ➥More   ⓘ $236 1st Yr Value Estimate 15K points 15K after $3K spend in 3 months. Terms apply. (Rates & Fees) No Annual Fee     Alternate offer: Some people have been targeted for an offer in their online account for 50K points after $15K in purchases in their first 12 months. Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)     FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Card Type: Amex Credit Card Base 2X (3.1%) Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

• Capital One Venture, Venture X, or Spark Miles. Capital One offers three cards that earn 2X “Miles” per dollar on all qualifying spend. These “miles” can be transferred to airline miles & hotel points, usually at a 1 to 1 rate. This means that the following cards are capable of earning 2X miles everywhere:
  

  Card Offer and Details
  Capital One Venture Rewards Credit Card     ➥More   ⓘ $772 1st Yr Value Estimate 60K miles Earn a one-time bonus of 60K Capital One miles after $3K spend in the first 3 months $95 Annual Fee     Recent better offer: 100K: 50K after $3K in the first 3 months + 20K after $20K in the first 6 months [Expired 7/19/21]     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. Card Type: Visa Signature Base 2X (2.9%) Other 5X (7.25%) Earning rate: 2X everywhere. Noteworthy perks: Receive up to $100 application fee credit for Global Entry or TSA Pre✓® ⚬ Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees
  Capital One Venture X Rewards Credit Card     ➥More   ⓘ $1205 1st Yr Value Estimate 100K miles + Up to $200 statement credit Earn a one-time bonus of 100K Capital One miles after $10K spend in the first 6 months + a limited-time bonus of up to $200 in statement credits for vacation rentals charged to your card in the first year $395 Annual Fee     FM Mini Review: This card 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. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, and Hertz President's Circle status. 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 big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Card Type: Visa Infinite Base 2X (2.9%) Other 10X (14.5%) Earning rate: 10X on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else. Noteworthy perks: Up to $300 in statement credits annually for bookings made through Capital One Travel ⚬ 10,000 bonus miles each year starting at first anniversary ⚬ Receive up to $100 application fee credit for Global Entry or TSA Pre✓® ⚬ Cell phone insurance ⚬ Trip delay / cancellation insurance ⚬ Primary CDW coverage Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees
  Capital One Spark Miles Business Credit Card     ➥More   ⓘ $721 1st Yr Value Estimate 50K "miles" Earn a one-time bonus: 50K "miles" after $4.5K spend in the first 3 months from account opening No Annual Fee First Year, Then $95     Note: Capital One Business cards DO count against Chase's 5/24 Rule Info 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: Earn up to 200K "miles": 50K after $5K spend in the first 3 months from account opening and an additional 150K after $50K spend in the first 6 months from account opening [Expired 1/27/20 and breifly available in 2021]     FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards are intended to be used to offset travel purchases. One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotels through many partners, and "miles" can be combined with other cards or other customers. Card Type: Mastercard Base 2X (2.9%) Travel 5X (7.25%) Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees ⚬ Fee credit for either $85 TSA Pre✓® application fee or $100 Global Entry application fee

Cards that offer 1.5X points or airline miles per dollar:

• Chase Ultimate Rewards. Two no-fee cards in Chase’s lineup earn 1.5 Ultimate Rewards points per dollar for all spend. Pair either one with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred) to transfer points to several airline or hotel programs:
  

  Card Offer and Details
  Chase Freedom Unlimited     ➥More   ⓘ $300 1st Yr Value Estimate Extra 1.5x everywhere + 15 months 0% APR Earn an extra 1.5x everywhere on up to $20K in purchases for the first 12 months. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. 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: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Card Type: Visa Signature or Platinum Base 1.5X (2.25%) Travel 5X (7.5%) Dine 3X (4.5%) Other 5X (7.5%) Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2022 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else Noteworthy perks: Free DashPass for up to 3 months upon activation See also: Chase Ultimate Rewards Complete Guide
  Chase Ink Business Unlimited     ➥More   ⓘ $1069 1st Yr Value Estimate 75K points 75K after $7.5K spend in 3 months No Annual Fee     See: How to sign up for Chase Ink cards Recent better offer: None. This is the best we've seen.     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. Card Type: Visa Signature Business Base 1.5X (2.25%) Other 5X (7.5%) Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2022 See also: Chase Ultimate Rewards Complete Guide

• Amex Membership Rewards. Amex offers two cards that are capable of earning up to 1.5X. In either case, points can be transferred to a large selection of airline programs or to a few hotel programs.  Note that the Everyday Preferred card requires 30 charges per billing cycle to earn 1.5x, and the Business Platinum card requires purchases of $5K or more to earn 1.5x when paying taxes.
  

  Card Offer and Details
  The Business Platinum Card® from American Express     ➥More   ⓘ $1416 1st Yr Value Estimate 120K points 120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees) $695 Annual Fee     Recent better offer: 150K after $20K Spend (Targeted)     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. Speaking of the $595 Annual Fee, it will be $695 if your application is received on or after 01/13/2022 and at next renewal after that date. Card Type: Amex Pay Over Time Card Base 1X (1.55%) Travel 5X (7.75%) Other 1.5X (2.33%) 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. Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees ⚬ Up to $400 a year in statement credits for Dell purchases ($200 Jan-June; $200 July-Dec) ⚬ Up to $120 in wireless services credits per year ($10 per month) ⚬ Up to $360 per year in credit with Indeed (up to $90 per quarter ⚬ Up to $150 per year in purchases with Adobe for annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign ⚬ $100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status. ⚬ $179 CLEAR fee reimbursement annually ⚬ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits See also: Amex Platinum Guide
  The Amex EveryDay® Preferred Credit Card from American Express     ➥More   ⓘ $123 1st Yr Value Estimate 15K Points 15K after $1K spend in 3 months. Terms apply. $95 Annual Fee     Info 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. Card Type: Amex Credit Card Base 1X (1.55%) Gas 2X (3.1%) Grocery 3X (4.65%) 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. Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

• Airline miles. A few airline branded cards offer 1.5 miles per dollar for all spend:
  

  Card Offer and Details
  Virgin Atlantic World Elite Mastercard     ➥More   ⓘ $355 1st Yr Value Estimate Up to 35K miles Up to 35K miles: 30K after $1K spend in first 90 days plus 5K after adding 2 authorized users $90 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.     Card Type: Mastercard World Elite Base 1.5X (1.95%) Brand 3X (3.9%) Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else Big spend bonus: Companion award ticket with $25K annual spend ⚬ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ⚬ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month). See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status
  Air France KLM World Elite Mastercard     ➥More   ⓘ $640 1st Yr Value Estimate 50K miles + $100 statement credit + 60XP points 50K miles + $100 statement credit after $2K in the first 90 days + 60XP points upon approval $89 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.     Card Type: Mastercard World Elite Base 1.5X (1.95%) Brand 3X (3.9%) Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ⚬ 40XP points towards status after anniversary when you spend $15K or more the previous year Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years.

4. Earn valuable big spend bonuses: elite status, free nights, companion pass, etc.

Many credit cards offer bonuses for meeting high spend thresholds. You can find a comprehensive list here: Best big spend bonuses. Here are a few examples:

• 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.
• 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.
• Southwest Plus, Southwest Premier, or Southwest 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 changes and cancellations; free checked bags; expedited security; early boarding; free drinks; enhanced point earnings; and 15,000 bonus points upon qualifying.

5. Liquidate Visa/MasterCard gift cards cheaply

Visa and MasterCard gift cards are debit cards. As such, they qualify for low flat fees for debit tax payments: $2.20, $2.50, or $2.55 (depending upon the tax processor you use). In other words, your cost to liquidate $500 gift cards will be approximately half a percent. That’s pretty cheap.

If you use $500 Visa/MasterCard gift cards, then you can pay the following amounts:

• PayUSAtax.com ($2.55 fee): Make a $497.45 payment with a $500 gift card.
  • What is known to work:
    • Sunrise Visa working as debit at PayUSATax.
  • What sometimes works:
    • Vanilla brand Mastercard gift cards sometimes work with PayUSAtax and sometimes do not.  The ability to pay with these Mastercard gift cards through PayUSAtax seems to come and go.
  • What is known to not work:
    • Vanilla brand Visa gift cards are not recognized as debit cards at PayUSAtax.com and so they will incur the higher credit card processing fee.
    • Metabank issued Mastercard gift cards are reportedly not working at PayUSAtax (Reported again on 5/26/21 by Dokus).
• Pay1040.com ($2.50 fee): Make a $497.50 payment with a $500 gift card.
  • What is known to work:
    • Metabank issued Visa gift cards (including from Simon Mall) appear to be working again.  Reported by Rosco in October 2021.  But Vince reports otherwise in November 2021.  YMMV.
    • Metabank issued Mastercard gift cards are working as debit cards.  Reported by StepheH.  Reported again on 5/26/21 by Dokus.
    • Sunrise Visa working as debit at Pay1040.
    • Vanilla brand Mastercard gift cards work at Pay1040.  Reported by Yue.
• ACI Payments (Previously named “Official Payments”) ($2.20 fee): Make a $497.80 payment with a $500 gift card.
  • What is known to work:
    • Metabank issued Visa gift cards (including from Simon Mall) appear to be working (note though that this seems to come and go over time).  Vince reported problems with Simon gift cards in November 2021.  YMMV.
    • Vanilla brand Visa gift cards work at ACI

The biggest problem with this (besides the fact that what works and what doesn’t work keeps changing!) is the IRS imposed 2 payments per processor limit. This means that you can liquidate no more than 6 gift cards per type of tax payment.  In the past, Official Payments allowed more payments via phone.  Recent reports, though, indicate that this is no longer the case.

See also: Best options for buying Visa and MasterCard gift cards.

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