How to pay taxes via credit card, 2024-2025 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.

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

Important due dates

(all online payment dates from Pay1040.com)

2024 Tax Year Due Dates

• January 15th, 2025: 4th Quarter 2024 estimated taxes due.
  (Payable online from 10/15/24 – 2/1/25)

2025 Tax Year Due Dates

• April 15th, 2025: 1st Quarter 2025 estimated taxes due.
  (Payable online from 3/1/2025 – 5/15/2025)
• June 16th, 2025: 2nd Quarter 2025 estimated taxes due.
  (Payable online from 5/15/2025 – 7/15/2025)
• September 15th, 2025: 3rd Quarter 2025 estimated taxes due.
  (Payable online from 7/15/2025 – 10/15/2025)
• January 15th, 2025: 4th Quarter 2025 estimated taxes due.
  (Payable online from 10/15/25 – 1/1/26)

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

1. Profit w/ a 3% Cash Back card

A number of credit cards earn cash rewards greater than 2%. Some even earn 3% cash back:

• The new/updated Paypal Mastercard will earn 3% cash back on all PayPal purchases. Details here. This approach will work only with the services that allow payment through PayPal.
• The Discover It Miles card earns 3% for the first year of card membership (you earn 1.5% and then at the end of the year all cash back earned is doubled).

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 for Schwab ⓘ $1532 1st Yr Value Estimate 125K points ⓘ Non-Affiliate 125K after $8K spend in first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22] Learn more or apply
The Platinum Card® from American Express ⓘ $1344 1st Yr Value Estimate 100K points + 10X on dining ⓘ Non-Affiliate 100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply. $695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Sonesta World Mastercard ⓘ $1286 1st Yr Value Estimate Up to 125K points ⓘ Non-Affiliate Up to 125K points: 120K points after $2K spend in 90 days plus 5K points for adding an authorized user within first 90 days $0 introductory annual fee for the first year, then $75 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
American Express® Gold Card ⓘ $1138 1st Yr Value Estimate 100K points ⓘ Friend-Referral 100K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees) $325 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] Learn more or apply
Hilton Honors American Express Aspire Card ⓘ $1136 1st Yr Value Estimate 175K Points + free night certificate ⓘ Friend-Referral 175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. (Offer Expires 1/8/2025) $550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Chase Sapphire Preferred® Card ⓘ $1025 1st Yr Value Estimate 60K Points ⓘ Affiliate 60K after $4K spend in 3 months $95 Annual Fee Alternate Offer: There may be elevated offers available by applying in-branch A similar offer with the first year annual fee waived may be found in-branch. YMMV. Recent better offer: 60K points + $300 travel credit (Expired 11/14/24) Learn more or apply
Capital One Venture Rewards Credit Card ⓘ $989 1st Yr Value Estimate 75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees) $95 Annual Fee Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details. Recent better offer: Expired 9/9/24: 75K after $4K spend in 3 months + $250 Capital One Travel credit in first cardholder year Learn more or apply
Barclays JetBlue Plus Mastercard ⓘ $948 1st Yr Value Estimate 80K Miles ⓘ Non-Affiliate 80K miles after $1K in spend in 90 days and payment of annual fee. $99 Annual Fee Note that the landing page prompts you to enter a mobile phone number to continue the application, but you can click "no thanks" to continue the application on your desktop device. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Capital One Venture X Rewards Credit Card ⓘ $944 1st Yr Value Estimate 75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees) $395 Annual Fee Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year Learn more or apply
Citi Strata Premier℠ Card ⓘ $931 1st Yr Value Estimate 75K Points ⓘ Non-Affiliate 75,000 points after $4,000 spend in 3 months $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
The Aeroplan® Card ⓘ $865 1st Yr Value Estimate Up to 100K Points ⓘ Affiliate 75K points after $4K spend in the first 3 months and an additional 25K after spending a total fo $20K within first 12 months $95 Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Learn more or apply
Chase British Airways Visa Signature® Card ⓘ $852 1st Yr Value Estimate 100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend Learn more or apply
Chase Iberia Visa Signature® Card ⓘ $852 1st Yr Value Estimate 100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend Learn more or apply
Chase Aer Lingus Visa Signature® Card ⓘ $852 1st Yr Value Estimate 100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend Learn more or apply
Southwest Rapid Rewards® Plus Credit Card ⓘ $843 1st Yr Value Estimate 40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024) $69 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details). Learn more or apply
The Platinum Card® from American Express Exclusively for Morgan Stanley ⓘ $834 1st Yr Value Estimate 80K points ⓘ Non-Affiliate 80K after $8K spend in first 6 months. Terms apply. $695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after 6k spend [Expired 11/8/23] Learn more or apply
Southwest Rapid Rewards® Premier Credit Card ⓘ $813 1st Yr Value Estimate 40K points + $400 ⓘ Friend-Referral 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024) $99 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. This card is known to be subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays ⓘ $811 1st Yr Value Estimate 70K Miles ⓘ Non-Affiliate 70K miles after one purchase within first 90 days. Use code 000150 for this offer $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
AAdvantage Aviator Red World Elite MasterCard ⓘ $811 1st Yr Value Estimate 70K Miles ⓘ Non-Affiliate 70K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] Learn more or apply
Air France KLM World Elite Mastercard ⓘ $790 1st Yr Value Estimate 70K miles + 40XP + 60XP ⓘ Non-Affiliate 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval $89 Annual Fee Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that only gives 60K miles but also includes a $150 statement credit. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Amtrak Guest Rewards® Preferred Mastercard® ⓘ $788 1st Yr Value Estimate 35K points ⓘ Non-Affiliate 35K points after $2K spend in the first 3 billing cycles (Offer Expires 12/4/2024) $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes Learn more or apply
Alaska Airlines Visa Signature ⓘ $764 1st Yr Value Estimate Up to 75K miles + Companion Fare ⓘ Non-Affiliate 70k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days + additional 5K if you apply with an Alaska employee's name and id number. $95 Annual Fee Alternate Offer: There are usually better in-flight offers available that require the name and id number of an Alaska employee. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Southwest Rapid Rewards® Priority Credit Card ⓘ $763 1st Yr Value Estimate 40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024) $149 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. This card is known to be subject to Chase's 5/24 rule. Learn more or apply
Free Spirit Travel More Mastercard ⓘ $752 1st Yr Value Estimate 60K Points + $100 Voucher ⓘ Non-Affiliate 60K points plus $100 companion voucher after $1K spend in 90 days (enter any random five-digit number as "employee code") $0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Hilton Honors American Express Surpass® Card ⓘ $745 1st Yr Value Estimate 165K points ⓘ Affiliate 165K points after $3K spend within the first 6 months. Terms apply. (Offer Expires 1/8/2025) $150 Annual Fee Recent better offer: (Expired 7/31/24) 130K points + free night certificate after $3K spend within the first 6 months. Learn more or apply
IHG One Rewards Premier Credit Card ⓘ $735 1st Yr Value Estimate 140k points ⓘ Affiliate Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening $99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (expired 9/4/24) Learn more or apply
Chase United℠ Explorer Card ⓘ $729 1st Yr Value Estimate Limited Time Offer: 60k miles ⓘ Affiliate 60K miles after $3K spend in 3 months (Offer Expires 1/29/2025) $0 introductory annual fee for the first year, then $95 Alternate Offer: Some people see increased offers when logging in to their Mileage Plus accounts. This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 8/11/22: 70K after $3K spend Learn more or apply
Wells Fargo Autograph Journey℠ Card ⓘ $721 1st Yr Value Estimate 60K points ⓘ Non-Affiliate 60K after $4,000 spend in first 3 months. $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
United Quest℠ Card ⓘ $705 1st Yr Value Estimate Limited Time Offer: 70K Miles + 500 PQPs ⓘ Affiliate 70K miles and 500 PQPs after $4K spend in the first 3 months (Offer Expires 1/29/2025) $250 Annual Fee Alternate Offer: Some people see increased offers when logging in to their Mileage Plus accounts. This card is subject to Chase's 5/24 rule (click here for details). Learn more or apply
Marriott Bonvoy Boundless® Credit Card ⓘ $700 1st Yr Value Estimate 125K points ⓘ Non-Affiliate Limited Time Offer: Earn 125,000 bonus points after spending $5,000 on eligible purchases within the first 3 months. $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24) Learn more or apply
Marriott Bonvoy Bold Credit Card ⓘ $654 1st Yr Value Estimate 60K points + Free Night Certificate ⓘ Friend-Referral 60K points + 50K free night certificate after $2K in the first 3 months. Terms apply. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information 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 after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23) Learn more or apply
Wyndham Rewards Earner Plus Card ⓘ $643 1st Yr Value Estimate 75K Points ⓘ Non-Affiliate 75K points after $2K spend in first 6 months (Offer Expires 1/8/2025) $75 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/11/24: 100K after $2K in spend Learn more or apply
avianca lifemiles American Express® Elite Card ⓘ $626 1st Yr Value Estimate Up to 100K miles ⓘ Non-Affiliate Up to 100K miles: Earn 60K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months $249 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Chase World of Hyatt Credit Card ⓘ $618 1st Yr Value Estimate Up to 45K points ⓘ Non-Affiliate 30K points after $3K in spend within the first 3 months, plus an exta 1 point/dollar on up to $15K spend within first 6 months. $95 Annual Fee Alternate Offer: Up to $300 in statement credits for Hyatt purchases in the first 12 months plus a Category 1-4 free night certificate after $3K spend in the first 3 months This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 5x Category 1-4 free night certificates after $15K spend within first 3 months. (Expired 10/31/24) Learn more or apply
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® ⓘ $608 1st Yr Value Estimate 50K Miles ⓘ Non-Affiliate 50K miles after $2,500 spend in first 3 months $0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K miles after $3,500 spend in 3 months (ended 10/14/24) Learn more or apply
American Express® Green Card ⓘ $607 1st Yr Value Estimate 40K points ⓘ Friend-Referral 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees $150 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] Learn more or apply
IHG One Rewards Traveler Credit Card ⓘ $585 1st Yr Value Estimate 100K Points ⓘ Affiliate Limited time offer - 100K 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: 120K after $2K spend (expired 7/4/22) Learn more or apply
Delta SkyMiles® Gold American Express Card ⓘ $562 1st Yr Value Estimate 50K miles ⓘ Affiliate 50K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees) $0 introductory annual fee for the first year, then $150 Alternate Offer: Dummy booking offer of 50K + $500 credit. See this for more details.. Learn more or apply
United Club℠ Infinite Card ⓘ $560 1st Yr Value Estimate Limited Time Offer: 90K Miles ⓘ Affiliate 90k miles after $5k spend in first 3 months (Offer Expires 1/29/2025) $525 Annual Fee Alternate Offer: Some people see increased offers when logging in to their Mileage Plus accounts. 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 Learn more or apply
Chase Sapphire Reserve® Card ⓘ $560 1st Yr Value Estimate 60K Points ⓘ Affiliate 60K after $4K spend in 3 months $550 Annual Fee Alternate Offer: 70K after $4K spend showing on some accounts when logged-in to Chase Recent better offer: Expired 12/1/22: 80K after $4K spend Learn more or apply
Bank of America Premium Rewards ⓘ $535 1st Yr Value Estimate 60K points ⓘ Non-Affiliate 60K points (worth up to $600) after $4K spend in 90 days $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Bank of America Premium Rewards Elite ⓘ $530 1st Yr Value Estimate 75K points ⓘ Non-Affiliate 75K (worth up to $750) after $5K spend in 90 days $550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays ⓘ $510 1st Yr Value Estimate 50K Miles ⓘ Non-Affiliate 50K Miles after $3K spend in 90 days + payment of the annual fee $89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 1/1/23: 100K Miles after $3K spend in 90 days Learn more or apply
Wells Fargo Choice Privileges Mastercard Select ⓘ $505 1st Yr Value Estimate 100K Points ⓘ Non-Affiliate 100K after $3K spend in first 3 months $95 Annual Fee Alternate Offer: Choice members may be targeted for a higher offer Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Qatar Airways Privilege Club Signature Card ⓘ $498 1st Yr Value Estimate Up to 60K Avios 30K Avios after first transaction, then an additional 30K after $3,000 spend within the first 90 days $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Frontier Airlines World MasterCard® ⓘ $465 1st Yr Value Estimate 50k miles ⓘ Non-Affiliate 50K miles after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchae; maintain Gold status for 12 months with $3,000 in purchases within first 90 days $0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Hilton Honors American Express Card ⓘ $449 1st Yr Value Estimate 100K points ⓘ Affiliate 100K points after $2K spend within the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025) No Annual Fee After clicking through, be sure to choose the card you want on the landing page. Recent better offer: (Expired 7/31/24) 70K points + free night certificate after $2K spend within the first 6 months. Learn more or apply
Wells Fargo Choice Privileges Mastercard ⓘ $446 1st Yr Value Estimate 70K Points ⓘ Non-Affiliate 70K after $1K spend in first 3 months No Annual Fee Alternate Offer: Choice members may be targeted for a higher offer Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Korean Air SKYPASS Select Visa issued by US Bank ⓘ $425 1st Yr Value Estimate 60K miles ⓘ Non-Affiliate 60K miles after $5K spend in 90 days $450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
HSBC Premier World Mastercard® credit card ⓘ $420 1st Yr Value Estimate 50K points ⓘ Non-Affiliate 50K points after $4K in 3 months $0 introductory annual fee for the first year, then $95 Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free) Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Wyndham Earner ⓘ $415 1st Yr Value Estimate 45K Points ⓘ Non-Affiliate 45K points after $2K spend in first 6 months (Offer Expires 1/8/2025) 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 7/11/24: 75K after $2K in spend Learn more or apply
Wells Fargo One Key+™ Mastercard ⓘ $405 1st Yr Value Estimate $600 OneKeyCash ⓘ Non-Affiliate $600 OneKeyCash after $3K spend in first 3 months $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
United Gateway℠ Card ⓘ $373 1st Yr Value Estimate Limited Time Offer: 30K Miles ⓘ Affiliate 30K miles after $1K spend in first 3 months (Offer Expires 1/29/2025) No Annual Fee Alternate Offer: Some people see increased offers when logging in to their Mileage Plus accounts. 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 Learn more or apply
avianca lifemiles American Express® Card ⓘ $370 1st Yr Value Estimate 40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $3K in first 90 days $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Virgin Red Rewards Mastercard® ⓘ $370 1st Yr Value Estimate 40K Points ⓘ Non-Affiliate 40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4) $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Korean Air SKYPASS Visa issued by US Bank ⓘ $357 1st Yr Value Estimate 40K miles ⓘ Non-Affiliate 40K miles after $4K spend in 90 days $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
TAP MIles&Go American Express Card ⓘ $356 1st Yr Value Estimate 40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $2.5K in first 90 days $79 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Best Western Rewards® Premium Visa Signature® Card ⓘ $346 1st Yr Value Estimate 80K points ⓘ Non-Affiliate 80K points after "qualifying spend" (we saw $3,000) in 90 days $89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Wells Fargo One Key™ Mastercard ⓘ $344 1st Yr Value Estimate $400 OneKeyCash ⓘ Non-Affiliate $400 OneKeyCash after $1K 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. Learn more or apply
Disney Premier Visa Card ⓘ $331 1st Yr Value Estimate $400 Cash Back ⓘ Non-Affiliate $400 statement credit after $1000 in purchases within first 3 months $49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Delta SkyMiles® Platinum American Express Card ⓘ $328 1st Yr Value Estimate 60K miles ⓘ Affiliate 60K miles after $3K spend in 6 months. Terms apply. (Rates & Fees) $350 Annual Fee Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details.. Learn more or apply
Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card ⓘ $327 1st Yr Value Estimate 40K Miles ⓘ Non-Affiliate 40K miles after $4K spend within 90 days of account opening $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card ⓘ $315 1st Yr Value Estimate $250 cash back ⓘ Non-Affiliate $250 after $2K spend in 120 days $0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Amtrak Guest Rewards Platinum Mastercard ⓘ $303 1st Yr Value Estimate 12K points ⓘ Non-Affiliate 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. Learn more or apply
Chase Freedom Unlimited® ⓘ $300 1st Yr Value Estimate Up to 30K points / $300 cash back ⓘ Affiliate Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back. No Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) Learn more or apply
Chase Freedom Flex ⓘ $293 1st Yr Value Estimate 20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 month No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Citi Double Cash® Card ⓘ $289 1st Yr Value Estimate 20K points ⓘ Non-Affiliate $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Capital One VentureOne Rewards Credit Card ⓘ $284 1st Yr Value Estimate 20K miles ⓘ Affiliate Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees) No Annual Fee Learn more or apply
Marriott Bonvoy Bountiful™ Card ⓘ $281 1st Yr Value Estimate 85K Points ⓘ Friend-Referral 85K points after $4K spend in 3 months $250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Blue Cash Everyday® Card from American Express ⓘ $280 1st Yr Value Estimate Up to $350 back ⓘ Non-Affiliate Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees) No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Royal Caribbean® Visa Signature® Credit Card ⓘ $280 1st Yr Value Estimate 30K Points ⓘ Non-Affiliate 30K points after $1K spend in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Celebrity Cruises® Visa Signature® Credit Card ⓘ $280 1st Yr Value Estimate 30K Points ⓘ Non-Affiliate 30K points after $1kK in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Qatar Airways Privilege Club Infinite Card ⓘ $278 1st Yr Value Estimate Up to 80K Avios + 150 Qpoints ⓘ Non-Affiliate 40K Avios after first transaction, then an additional 40K and 150 Qpoints after $5,000 spend within the first 90 days $499 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
PenFed Pathfinder Rewards ⓘ $278 1st Yr Value Estimate 50K Points ⓘ Affiliate 50K points after $3K spend in 90 days $95 Annual Fee Learn more or apply
BREEZE EASY™ VISA® CREDIT CARD ⓘ $271 1st Yr Value Estimate 40K Points ⓘ Non-Affiliate 40K points after $2K spend in 90 days $89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Citi Rewards+® Card ⓘ $267 1st Yr Value Estimate 20K points ⓘ Non-Affiliate 20K points after $1.5K spend in 3 months No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Citi Custom Cash® Card ⓘ $267 1st Yr Value Estimate 20K Points ⓘ Non-Affiliate 20K points after $1500 spend in the first 6 months No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months Learn more or apply
Marriott Bonvoy Bevy™ American Express® Card ⓘ $265 1st Yr Value Estimate 85K Points ⓘ Affiliate 85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees) $250 Annual Fee Recent better offer: (Expired 10/2/24) 155K points after $5K spend in the first 6 months. Learn more or apply
Wells Fargo Autograph℠ Card ⓘ $264 1st Yr Value Estimate 20K points ⓘ Non-Affiliate 20K after $1,000 spend in first 3 months. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Citi® / AAdvantage® Executive World Elite Mastercard® ⓘ $253 1st Yr Value Estimate 75K miles ⓘ Non-Affiliate 75K miles after $7,500 spend in first 3 months $595 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Carnival® World Mastercard® ⓘ $240 1st Yr Value Estimate 25K FunPoints ⓘ Non-Affiliate 25K FunPoints after spending $500 within the first 90 days of account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Capital One Savor Cash Rewards Credit Card ⓘ $240 1st Yr Value Estimate $250 Cash Back ⓘ Affiliate One time bonus: $250 after $500 spend in 3 months from account opening. (Rates & Fees) No Annual Fee Learn more or apply
American Airlines AAdvantage® MileUp® Card ⓘ $237 1st Yr Value Estimate 15K miles ⓘ Non-Affiliate Earn 15K AA miles after $500 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. Learn more or apply
Bank of America Travel Rewards ⓘ $235 1st Yr Value Estimate 25K points worth $250 ⓘ Non-Affiliate 25K after $1K spend in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Cathay Pacific Visa Signature card ⓘ $229 1st Yr Value Estimate 35K miles ⓘ Non-Affiliate 35K after $3K spend in 90 days $95 Annual Fee Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Best Western Rewards® Visa Signature® Card ⓘ $217 1st Yr Value Estimate 40K points ⓘ Non-Affiliate 40K points after "qualifying spend" (we saw $1,500) in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Verizon Visa Card ⓘ $200 1st Yr Value Estimate Up to $200 in statement credits ⓘ Non-Affiliate $100 credit with 5G phone offer and $100 statement credit after first purchase within 90 days of account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Morgan Stanley Blue Cash Preferred® American Express Card ⓘ $195 1st Yr Value Estimate $350 back ⓘ Non-Affiliate $350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees) $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Citi Shop Your Way Mastercard ⓘ $195 1st Yr Value Estimate $225 Cash Back ⓘ Non-Affiliate $75 statement credit for every $500 spent within the first 90 days, up to $225 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. Learn more or apply
Wells Fargo Active Cash Card ⓘ $195 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 after $500 spend in the 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. Learn more or apply
Capital One Quicksilver Cash Rewards Credit Card ⓘ $193 1st Yr Value Estimate $200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees) No Annual Fee Learn more or apply
Blue Cash Preferred® Card from American Express ⓘ $190 1st Yr Value Estimate $250 back ⓘ Affiliate $250 cash back as reward dollars that can be redeemed as a statement credit or via Amazon.com after $3K spend in eligible purchases within the first 6 months. Terms Apply. (Rates & Fees) $0 introductory annual fee for the first year, then $95 Learn more or apply
Disney Visa Card ⓘ $190 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 statement credit after $500 in purchases in first 3 months No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Evergreen® by FNBO Credit Card ⓘ $190 1st Yr Value Estimate $200 Back ⓘ Non-Affiliate $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. Learn more or apply
TD First Class Visa Signature® Card ⓘ $190 1st Yr Value Estimate 25K points ⓘ Non-Affiliate 25K after $3K spend in first 6 billing cycles. $0 introductory annual fee for the first year, then $89 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Marriott Bonvoy Brilliant® American Express® Card ⓘ $189 1st Yr Value Estimate 95K Points ⓘ Affiliate 95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees) $650 Annual Fee Recent better offer: (Expired 10/2/24) 185k points after $6K spend within the first 6 months. Learn more or apply
Schwab Investor Card® from American Express ⓘ $185 1st Yr Value Estimate $200 Cash Back as a statement credit ⓘ Non-Affiliate $200 statement credit after $1K in purchases in first 3 months No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Bank of America Unlimited Cash Rewards ⓘ $185 1st Yr Value Estimate $200 cash bonus ⓘ Non-Affiliate $200 cash rewards bonus after $1K spend in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
AT&T Points Plus Card ⓘ $185 1st Yr Value Estimate $200 statement credit ⓘ Non-Affiliate $200 statement credit 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. Learn more or apply
AARP® Essential Rewards Mastercard® ⓘ $180 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 after $1000 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. Learn more or apply
AARP® Travel Rewards Mastercard® ⓘ $180 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 after $1000 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. Learn more or apply
Bank of America Customized Cash Rewards ⓘ $180 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Norwegian Cruise Line® World Mastercard® ⓘ $180 1st Yr Value Estimate 20K Points ⓘ Non-Affiliate 20K after $1K 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. Learn more or apply
Amazon Prime Visa ⓘ $180 1st Yr Value Estimate $200 Amazon Gift Card ⓘ Affiliate $200 Amazon gift card upon approval. Terms apply. No Annual Fee Learn more or apply
TD Cash Visa Credit Card ⓘ $180 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 cashback after $1,000 spend within first 90 days No Annual Fee Alternate Offer: If you are a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT and would like to support FM, please consider clicking here and using our affiliate link. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD ⓘ $180 1st Yr Value Estimate 20K points ⓘ Non-Affiliate 20K (worth $200 as a deposit into eligible account) 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. Learn more or apply
U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD ⓘ $180 1st Yr Value Estimate 20K points ⓘ Non-Affiliate 20K (worth $200 as a deposit into eligible account or towards travel) 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. Recent better offer: 50K after $2K spend in 120 days (Ended 9/9/24) Learn more or apply
U.S. Bank Cash+® ⓘ $180 1st Yr Value Estimate $200 Cash Back ⓘ Non-Affiliate $200 back as a statement credit 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. Learn more or apply
Emirates Skywards Rewards World Elite Mastercard ⓘ $174 1st Yr Value Estimate 30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Allegiant World Mastercard® Credit Card ⓘ $171 1st Yr Value Estimate 25K miles ⓘ Non-Affiliate 25K after $1K in first 90 days $59 Annual Fee Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
PRICELINE REWARDS VISA® CARD ⓘ $165 1st Yr Value Estimate 5K Points + $150 statement credit ⓘ Non-Affiliate 5K points after first purchases and 5K points 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. Learn more or apply
Sun Country Airlines® Visa Signature® Card ⓘ $151 1st Yr Value Estimate 25K points ⓘ Non-Affiliate 25K points after $1,500 spend in the first 3 billing cycles $69 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
First Tech Choice Rewards World Mastercard® ⓘ $140 1st Yr Value Estimate $200 cash back ⓘ Non-Affiliate 20K points (worth $200) after $3K spend in the first 60 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
NBT Bank Everyday Rewards+ Card ⓘ $130 1st Yr Value Estimate $150 Cash Back ⓘ Non-Affiliate $150 in rewards (15K points) after $1000 in purchases in first 120 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Delta SkyMiles® Reserve American Express Card ⓘ $125 1st Yr Value Estimate 70K Miles ⓘ Affiliate Earn 70K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees) $650 Annual Fee Learn more or apply
HSBC Premier World Elite Mastercard® credit card ⓘ $125 1st Yr Value Estimate 60K points ⓘ Non-Affiliate 60K after $4K spend in 3 months $395 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Discover it® for Students ⓘ $120 1st Yr Value Estimate $50 + First Year Double + $20/year ⓘ Friend-Referral Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
JetBlue Card ⓘ $116 1st Yr Value Estimate 10K miles ⓘ Non-Affiliate 10K points after $1K spend in 90 days. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Free Spirit Travel Mastercard ⓘ $111 1st Yr Value Estimate 10K Points ⓘ Non-Affiliate 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. Learn more or apply
Discover it Miles - Double Miles your first year ⓘ $100 1st Yr Value Estimate $100 + First Year Double ⓘ Friend-Referral Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Discover it® ⓘ $100 1st Yr Value Estimate $100 Back + First Year Double ⓘ Friend-Referral Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
The Comenity® Mastercard® Credit Card ⓘ $93 1st Yr Value Estimate $100 Cash Back ⓘ Non-Affiliate $100 statement credit after $500 spend in first 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Delta SkyMiles® Blue American Express Card ⓘ $91 1st Yr Value Estimate 10K miles ⓘ Affiliate 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days. Learn more or apply
Upromise World MasterCard® issued by Barclays ⓘ $91 1st Yr Value Estimate $100 Cash back ⓘ Non-Affiliate $100 cash back after $500 spend in the first 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 10/31/22: $150 after $500 in spend Learn more or apply
Affinity Cash Rewards Visa® Signature Credit Card ⓘ $90 1st Yr Value Estimate $150 cash back ⓘ Non-Affiliate $150 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. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Holland America Line Rewards Visa® Card ⓘ $90 1st Yr Value Estimate 10K Points 10K points after spending $500 within the first 90 days of account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Princess® Rewards Visa® Card ⓘ $90 1st Yr Value Estimate 10K Points 10K points after spending $500 within the first 90 days of account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Amazon Visa ⓘ $90 1st Yr Value Estimate $100 Amazon Gift Card Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member. No Annual Fee Learn more or apply
Wells Fargo Attune World Elite Mastercard® ⓘ $90 1st Yr Value Estimate $100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in first 3 months. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
BECU Cash Back Visa credit card ⓘ $70 1st Yr Value Estimate $100 Cash Back ⓘ Non-Affiliate $100 statement credit after $2000 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. Learn more or apply
MGM Rewards Mastercard ⓘ $70 1st Yr Value Estimate 10K points + 10K Tier Credits ⓘ Non-Affiliate 10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cycles No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Rocket Mortgage Visa ⓘ $53 1st Yr Value Estimate $200 Statement Credit ⓘ Non-Affiliate $200 statement credit with $3k spend in the first 90 days $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
CNB Crystal Visa Infinite Credit Card ⓘ $50 1st Yr Value Estimate None ⓘ Non-Affiliate No bonus at this time. $400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Costco Anywhere Visa ⓘ $45 1st Yr Value Estimate 75 ⓘ Non-Affiliate $75 statement credit after spending $1,500 within the first three months No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
PenFed Platinum Rewards ⓘ $7 1st Yr Value Estimate 15K Points ⓘ Affiliate 15K points after $1,500 spend in 90 days No Annual Fee Learn more or apply
Alliant Cashback Visa Signature Card ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate This card no longer features a first-year bonus. No Annual Fee Join Alliant by donating at least $10 to Foster Care to Success Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Chase Slate Edge ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate 0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
DoorDash Rewards Mastercard® ⓘ $0 1st Yr Value Estimate Free DashPass ⓘ Non-Affiliate Receive 12 months of DashPass for free upon approval No 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. Learn more or apply
Citizens Bank Cash Back Plus® World Mastercard® ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Fidelity Rewards Visa ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate There is currently no welcome bonus offered. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Simon® American Express® Credit Card from Cardless ⓘ $0 1st Yr Value Estimate No Welcome Bonus ⓘ Non-Affiliate This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Getaway by FNBO® Credit Card ⓘ $0 1st Yr Value Estimate 0% APR ⓘ Non-Affiliate 0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
PNC Cash Rewards® Visa® Credit Card ⓘ $0 1st Yr Value Estimate 0% APR on balance transfers ⓘ Non-Affiliate 0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Santander® Ultimate Cash Back® credit card ⓘ $0 1st Yr Value Estimate 3% back for 12 months ⓘ Non-Affiliate 3% cash back for 12 months on up to $20K in purchases No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
SoFi Credit Card ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate There is currently no welcome bonus offered. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Venmo Credit Card ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate 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. Learn more or apply
Paypal Cashback Mastercard ⓘ $0 1st Yr Value Estimate No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Paypal Business Cashback Mastercard ⓘ $0 1st Yr Value Estimate No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
UBS Visa Signature ⓘ $0 1st Yr Value Estimate None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer No Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
U.S. Bank Smartly™ Visa Signature® Card ⓘ $0 1st Yr Value Estimate None ⓘ Non-Affiliate Currently no welcome offer 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. Learn more or apply
Bilt Mastercard ⓘ $0 1st Yr Value Estimate None ⓘ Affiliate There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply. No Annual Fee Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions. Learn more or apply
The Owner's Rewards Card by M1 ⓘ $-60 1st Yr Value Estimate No Welcome Bonus ⓘ Non-Affiliate $0 introductory annual fee for the first year, then $95 Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
Emirates Skywards Premium World Elite Mastercard ⓘ $-116 1st Yr Value Estimate 40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days $499 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
U.S. Bank FlexPerks® Gold American Express® card ⓘ $-125 1st Yr Value Estimate None ⓘ Non-Affiliate None $85 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply
UBS Visa Infinite ⓘ $-270 1st Yr Value Estimate None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer $495 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Learn more or apply

3. Buy points cheaply

Several credit cards offer as much as 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 ⓘ $289 1st Yr Value Estimate 20K points ⓘ Non-Affiliate $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Click here for our complete card review Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ For a limited time: Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/24. Base: 2X (2.9%) Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases See also: Citi ThankYou Rewards Complete Guide Learn more or apply

• 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 ⓘ $236 1st Yr Value Estimate 15K points + 0% APR for 12 months ⓘ Affiliate 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. (Rates & Fees) No Annual Fee Alternate Offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months. FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) Base: 2X (3.1%) Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Learn more or apply

• 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 ⓘ $989 1st Yr Value Estimate 75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees) $95 Annual Fee Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details. Recent better offer: Expired 9/9/24: 75K after $4K spend in 3 months + $250 Capital One Travel credit in first cardholder year FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel Base: 2X (2.9%) Other: 5X (7.25%) Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Receive up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees Learn more or apply
  Capital One Venture X Rewards Credit Card ⓘ $944 1st Yr Value Estimate 75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees) $395 Annual Fee Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, Plaza Premium lounges, and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. Base: 2X (2.9%) Other: 10X (14.5%) Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership w/ unlimited guests (lounges only) ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points Learn more or apply
  Capital One Spark Miles for Business ⓘ $721 1st Yr Value Estimate 50K Miles ⓘ Affiliate Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees) $0 introductory annual fee for the first year, then $95 Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One Travel Base: 2X (2.9%) Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees ✦ Up to $120 fee credit for TSA PreCheck® application fee or Global Entry application fee Learn more or apply

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® ⓘ $300 1st Yr Value Estimate Up to 30K points / $300 cash back ⓘ Affiliate Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back. No Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else Base: 1.5X (2.25%) Dine: 3X (4.5%) Other: 5X (7.5%) Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide Learn more or apply
  Ink Business Unlimited® Credit Card ⓘ $1080 1st Yr Value Estimate 75K points ⓘ Affiliate 75K after $6K spend in 3 months No Annual Fee Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager. See: How to apply for Chase Ink cards FM Mini Review: Great welcome bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 Base: 1.5X (2.25%) Other: 5X (7.5%) Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide Learn more or apply

• 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. Important: The tax payment and tax payment fee will be charged separately and so the tax payment alone must be $5,000 or more in order to earn 1.5x rewards.
  

  Card Offer and Details
  The Business Platinum Card® from American Express ⓘ $3238 1st Yr Value Estimate 250K points ⓘ Friend-Referral 250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees) $695 Annual Fee Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review Earning rate: 5X flights and prepaid hotels at AmexTravel.com ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. Base: 1X (1.55%) Other: 1.5X (2.33%) Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ Up to $120 Global Entry/TSA Precheck fee reimbursement.✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ $199 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 Learn more or apply
  The Amex EveryDay® Preferred Credit Card from American Express ⓘ $123 1st Yr Value Estimate This card is no longer available for new applications ⓘ Friend-Referral This card is not currently available for new applicants. $95 Annual Fee Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K after $2K in first 3 months FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Click here for our complete card review Earning rate: ✦ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ✦ 2x points at US gas stations ✦ 1x points on other purchases. Base: 1X (1.55%) Gas: 2X (3.1%) Grocery: 3X (4.65%) Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees Learn more or apply

• 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 ⓘ $-101 1st Yr Value Estimate None Card is currently not available to new applicants. $90 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else Base: 1.5X (1.95%) Brand: 3X (3.9%) Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month). See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status Learn more or apply
  Air France KLM World Elite Mastercard ⓘ $790 1st Yr Value Estimate 70K miles + 40XP + 60XP ⓘ Non-Affiliate 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval $89 Annual Fee Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that only gives 60K miles but also includes a $150 statement credit. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else Base: 1.5X (1.95%) Brand: 3X (3.9%) Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous year Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years. Learn more or apply

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:

• Southwest Plus, Southwest Premier, or Southwest Business: With Southwest cards, when you earn 135,000 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 1 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: $2.14, $2.20, or $2.50 (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 ($2.14 fee): Make a $497.86 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.
    • Metabank/Pathward-issued Mastercard gift cards are reportedly working at PayUSAtax. Jon says you must register them first. Brian C provides a recent positive data point.
    • Sutton Visa when using the “Visa verification” option.
    • Vanilla brand Visa gift cards have historically not been recognized as debit cards at PayUSAtax.com and so they will incur the higher credit card processing fee. However Steve has a positive data point.
• Pay1040.com ($2.50 fee): Make a $497.50 payment with a $500 gift card.
  • What is known to work:
    • Metabank/Pathward-issued Visa gift cards (including from Simon Mall) appear to be working again. Reported by Rosco in July 2023 and again by Steve 5/2024.
    • Metabank-issued Mastercard gift cards are not working as debit cards. Reported by Rosco as well 7/23.
    • Sunrise Visa working as debit at Pay1040.
    • Vanilla brand Mastercard gift cards work at Pay1040. Reported by Yue and JN2
• 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/Pathward-issued Visa gift cards appear to be working (note though that this seems to come and go over time). Most recent positive DP reported by Steve 5/24.
    • Metabank-issued Mastercard gift cards are not working as debit cards. Reported by Rosco 7/23.
    • Vanilla brand MC gift cards work at ACI
    • Vanilla Visa cards no longer seem to work at ACI. Reported by Steve, 10/24

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.

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

How to pay taxes via credit card: Key Information

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

Credit card fee 1.82% 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 $2.14 to $2.50 per transaction and credit card fees range from 1.82% to 1.98%. Alternatively, you can pay taxes via the Plastiq Bill Pay service, but that will cost you more: 2.9% + $1.49 per payment.

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.

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 2.9% + $1.49 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.

Unlimited business tax payments via Melio

Melio is a bill payment service like Plastiq (see above), but it only allows paying business expenses. If you’re paying taxes for your business, that should be fine. Melio charges a 2.9% fee to pay by credit card.

For details, including the latest Melio welcome offer, see: Melio – Pay business bills by credit card.

Pay with Paypal

All three payment processors now allow 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. Here is a work-around that has worked for some people, but not all: 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.

Frequently Asked Questions

Will I be charged a cash advance fee when paying taxes with a credit card?

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.

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.

How can I see my tax payment history 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.

When should I report estimated tax 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 should I 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 I over-pay my taxes?

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

How do I 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 I 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.

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