Below you will find credit card offers sorted from best to worst based on an estimate of first year value.
Calculations
First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.
Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.
Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.
Related Pages
- Best Business Card Offers
- Top 10+ Transferable Points Credit Card Offers
- Top 10+ Airline Credit Card Offers
- Top 10+ Hotel Credit Card Offers
Top 10+ Credit Card Offers
If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.
Card Offer |
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Brex Cash Up to 105K 75K after $1K spend + 10K after $3K spend in 3 months + 20K after linking Paypal (or other services) to Brex No Annual Fee |
The Platinum Card® from American Express 100K points + 10x US Gas Stations and US Supermarkets 100K after $5K spend in first 6 months plus 10x on eligible purchases at US gas stations and US supermarkets on up to $15K in purchases in the first 6 months. Terms apply. (Rates & Fees) $550 Annual Fee |
Chase Ink Business Preferred Card See: How to sign up for Chase Ink cards Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement |
American Express® Gold Card 60K Points + up to $250 in statement credits 60K 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 Recent better offer: This is the best we've seen |
UBS Visa Infinite Business 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 $550 |
Unitedâ„ Business Card |
AAdvantage® AviatorTM Business MasterCard® Up to 75K miles Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date $95 Annual Fee Recent better offer: Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date |
UBS Visa Infinite 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 |
Southwest Rapid Rewards Performance Business Credit Card Up to 100K points Up to 100K points: 70K after $5K spend in first 3 months + 30K points after a total of $25K spend in first 6 months $199 Annual Fee |
Chase Sapphire Preferred Card 60K Points + up to $50 in statement credits 60K after $4K spend in 3 months + up to $50 in statement credits for grocery purchases within the first year $95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 80K after $4K Spend (Expired 11/9/20) |
CitiBusiness AAdvantage Platinum Select World MasterCard Recent better offer: 75K after $5K in the first 5 months (Expired 1/16/20) |
Hilton Honors American Express Aspire Card |
Citi® / AAdvantage® Platinum Select® World Elite MasterCard |
Citi Premier Card Alternate offer: There is an in-branch offer for 65K points (or 70K for CitiGold members) after $4K in purchases in 3 months. Some have reported success getting matched to that higher offer by request (YMMV). Recent better offer: None |
Hilton Honors American Express Business Card 150K Points + $150 statement credit $150 statement credit after first purchase + 150K after $2K spend in 3 months. Terms apply. (Rates & Fees) $95 Annual Fee |
Hilton Honors American Express Surpass Card 150K Points + $150 statement credit $150 statement credit after first purchase 150K after $2K in the first 3 months. Terms apply.(Rates & Fees) $95 Annual Fee |
Chase Southwest Airlines Rapid Rewards® Premier Business Card This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None. This is the highest public offer we've seen. |
Air France KLM World Elite Mastercard 50K miles + 60XP points + $150 statement credit 50K miles + $150 statement credit after $2K in the first 3 months + 60XP points upon approval $89 Annual Fee |
The Business Platinum Card® from American Express 85K Points + 5X 85K points after $15K spend plus 5X in select categories (up to 80K each) in the first 3 months Terms apply. (Rates & Fees) $595 Annual Fee Some report being targeted for a 110K offer via refer-a-friend links like this one Recent better offer: 150K after $20K Spend (Targeted) |
JetBlue Business Card Up to 60K Miles Up to 60K miles: 50K after $1K spend in 90 days plus 10K after a purchase is made on an employee card within 90 days $99 Annual Fee Recent better offer: None. This is the best we've seen. |
Chase United Explorer Card Up to 65K Miles Up to 65K miles: 40K after $2K spend in 3 months + 25K after $10K total spend in first 6 months No Annual Fee First Year, Then $95 This card is subject to Chase's 5/24 rule (click here for details). Alternate offer: $250 statement credit after first purchase + 25K miles after $2K in the first 3 months. You may find this offer during the booking process or can possibly access it here. Recent better offer: 60K after $3K spend in 3 months plus 10K after $6K in 6 months [Expired 1/13/21] |
American Express® Business Gold Card 70K Points + up to $300 in statement credits 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases . Terms apply. (Rates & Fees) (Offer Expires 4/7/2021) $295 Annual Fee Alternate offer: Some people may be targeted for an offer of 90K Membership Rewards points after $10K in purchases in the first 3 months. See this post for more detail. |
Chase British Airways Visa Signature® Card Up to 100K bonus Avios Get 50K Avios after $3K spend in first 3 months + 50K more Avios after $20K spend in first year $95 Annual Fee |
Chase Iberia Visa Signature® Card Up to 100K bonus Avios Get 50K Avios after $3K spend in first 3 months + 50K more Avios after $20K spend in first year $95 Annual Fee |
Chase Aer Lingus Visa Signature® Card Up to 100K bonus Avios Get 50K Avios after $3K spend in first 3 months + 50K more Avios after $20K spend in first year $95 Annual Fee |
Alaska Airlines Visa Business Card 40K + $200 statement credit + Companion Fare 40K + $200 statement credit + Companion Fare ($99 + taxes) after $2K spend in 3 months $75 Annual Fee |
U.S. Bank Business Leverage® Visa Signature® Card |
Wells Fargo Visa Signature Card Up to 50K bonus points 5X rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months. (that's 1x normal earnings plus 4x bonus) No Annual Fee |
Wells Fargo Rewards Visa® card Up to 50K bonus points 5x rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months (that's 1x normal earnings plus 4x bonus) No Annual Fee |
AAdvantage Aviator Red World Elite MasterCard Alternate offer: There is an in-flight offer for 60K after first purchase with the 1st year fee waived. See this link; code 999999 may work for the promo code. Recent better offer: None. This is the best we've seen. |
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays 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 Recent better offer: None. This is the best we've seen. |
Alaska Airlines Visa Signature Recent better offer: 65K after $8K spend expired 10/1/20 |
Free Spirit Travel More Mastercard 40K Points + $100 Voucher 40K points plus $100 companion voucher after $1K spend in 90 days No Annual Fee First Year, Then $79 |
Hilton Honors American Express Card 100K Points + $100 statement credit $100 statement credit after first purchase 100K after $1K spend in 3 months. Terms apply. (Rates & Fees) No Annual Fee |
American Express® Green Card Recent better offer: 50K afrer $2K spend |
Marriott Bonvoy Business™ American Express® Card 75K Points + up to $150 in statement credits 75K points after $3K in eligible purchases in the first 3 months of card membership + up to $150 in statement credits for eligible purchases in the first 3 months. Terms apply. (Rates & Fees) $125 Annual Fee |
Capital One Venture Rewards Credit Card 60K "Miles" Earn 60K bonus miles when you spend $3K on purchases in the first 3 months from account opening $95 Annual Fee Recent better offer: 100K after $20K total in first year [Expired 12/14/21] |
Amtrak Guest Rewards Platinum Mastercard 20K points + $100 statement credit 20K points + $100 statement credit after $1K spend in 90 days No Annual Fee |
The Platinum Card® from American Express for Schwab |
The Platinum Card® from American Express Exclusively for Morgan Stanley |
Delta SkyMiles® Gold Business Credit Card from American Express 40K Miles 40K miles after $2K spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee First Year, Then $99 |
Capital One Spark Miles Business Credit Card 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 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] |
Sonesta World Mastercard 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 |
Capital One Spark Cash Business Credit Card $500 Cash back Earn a one time bonus: $500 cash back after $4.5K spend in 3 months from account opening. No Annual Fee First Year, Then $95 Note: Most Capital One Business cards count against Chase's 5/24 Rule, but this one DOES NOT Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening. [Last available in early 2020 and briefly in 2021] |
Chase IHG® Rewards Club Traveler Credit Card This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 100K after $2K spend in 3 months |
Delta SkyMiles® Gold Credit Card from American Express 35K miles 35K miles after $1K spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee First Year, Then $99 Alternate offer: Some find they are targeted for a 50K offer. |
Amtrak Guest Rewards World Mastercard Recent better offer: 40K + $100 statement credit after $2.5K spend in 3 months |
Wells Fargo Business Platinum Visa® card $500 Cash Back $500 after $5K spend in the first 3 months OR no signup bonus if you choose to earn points instead of cash back No Annual Fee |
PenFed Pathfinder Rewards 50K Points + $50 50K points after $3K spend in 90 days + $50 Visa Gift Card on approval $95 Annual Fee |
BBVA Compass Select |
Barclays JetBlue Plus Mastercard Recent better offer: Expired 2/4/21: 100K after $6K spend |
U.S. Bank Business Cash Rewards World EliteTM Mastercard |
The Hawaiian Airlines® Business MasterCard® issued by Barclays Up to 70K miles Up to 70K miles: 60K after $1K in the first 90 days + 10K after a purchase is made on an employee card $99 Annual Fee Recent better offer: 60K after $1K in the first 90 days + 10K after first purchase on an employee card [Expired 8/19] |
United Clubâ„ Infinite Card Recent better offer: Expired 9/29/20: 100K miles after $5K spend |
Citi ThankYou Prestige Card Recent better offer: 75K after $7.5K spend in 3 months |
Choice Privileges® Visa Signature® Card issued by Barclays Recent better offer: 64K points: 32K after $1K spend in 90 days + 32K after an additional $2K spend within the first 180 days |
Radisson Rewards Premier Visa Signature Card Recent better offer: None. This is the best-ever offer. |
Marriott Bonvoy Boundlessâ„¢ Credit Card This card is subject to Chase's 5/24 rule (click here for details). See Also: Are you eligible for a new Marriott card? Alternate offer: 3 Free Night Awards (worth up to 35K each) after $3K spend in 3 months Recent better offer: Earn 5 50K free night certificates after $5K spend in 3 months [Expired 10/28/20] |
Chase World of Hyatt Credit Card 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. Recent better offer: 60K: 40K after $3K in 3 months + 20K after $6K total in 6 months (Expired 1/9/19) |
Virgin Atlantic World Elite Mastercard |
American Express Blue Business Cashâ„¢ Card Up to $500 in statement credits Up to $500 in statement credits: Earn a $250 statement credit after $5K in purchases in the first 6 months plus an additional $250 statement credit after another $10K in purchases in the first year. Terms apply. (Rates & Fees) No Annual Fee |
Business Green Rewards Card from American Express 25K points 25K points after $3K spend in first 3 months. Terms & limitations apply. No Annual Fee First Year, Then $95 |
HSBC Premier World Mastercard® credit card |
The Amex EveryDay® Preferred Credit Card from American Express |
Best Western Rewards Premium MasterCard issued by First Bankcard Up to 70K points Up to 70K: 50K after $1K spend in 3 billing cycles + 20K after $5K total spend in first 12 billing cycles No Annual Fee First Year, Then $59 |
Marriott Bonvoy Brilliant™ American Express® Card |
Delta SkyMiles® Platinum Credit Card from American Express 40K miles + 5K MQMs + $100 40K miles + 5K MQMs after $2K spend + $100 after Delta purchase in the first 3 months. Terms apply. (Rates & Fees) $250 Annual Fee Alternate offer: Some find they are targeted for a 70K + $100 offer. Recent better offer: None |
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays Alternate offer: You may be able to get 60K miles after 1st purchase via paper application distributed in-flight. Recent better offer: 50K after $2K spend in 90 days + 25K after $6K total in first 12 months |
Cathay Pacific Visa Signature card Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days. Recent better offer: 50K after $2,500 spend in 90 days |
UBS Visa Signature Up to 50K points (call to apply) 25K after $5K spend in 3 months + 25K after $50K spend in 12 months No Annual Fee |
UBS Visa Signature Business Up to 50K points (call to apply) 25K after $5K spend in 3 months + 25K after $50K spend in 12 months No Annual Fee |
Chase Freedom Unlimited 20K points Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months. 0% Intro APR for 15 months from account opening on purchases, 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. Recent better offer: 20K points + 5x on up to $12K in groceries for first year [Expired 1/13/21] |
Chase Freedom Flex 20K points Earn 20,000 points (worth $200 cash back) after $500 spend in 3 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. Recent better offer: 20K points + 5x on up to $12K in groceries for first year [Expired 1/13/21] |
Delta SkyMiles® Platinum Business Credit Card from American Express 45K miles + 5K MQMs 45K miles + 5K MQMs after $3K spend in the first 3 months. Terms and limitations apply. (Rates & Fees) $250 Annual Fee |
Blue Cash Everyday® Card from American Express Up to $300 back 20% back on Amazon purchases for the first 6 months, up to $200 back + $100 back after $1K in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee |
Chase Southwest Airlines Rapid Rewards® Plus Card 30K points + Companion Pass through 2/28/22 30K points + Companion Pass through 2/28/22 after $5K in 3 first 3 months $69 Annual Fee |
PNC Premier Traveler® Visa Signature Credit Card |
Chase Southwest Airlines Rapid Rewards Priority Credit Card 30K points + Companion Pass through 2/28/21 30K points + Companion Pass through 2/28/21 after $5K spend in the first 3 months $149 Annual Fee |
JetBlue Card Recent better offer: 9/2017: 15K after $1K spend |
Korean Air SKYPASS Visa issued by US Bank Recent better offer: 40K after $2.5K spend targeted (last reported 2/26/2016) |
Korean Air SKYPASS Business Visa issued by US Bank Recent better offer: 45K after $3K spend targeted (last reported 3/1/2016) |
United Gateway Card 20K Miles + 3X Grocery 20K miles after $1K spend in first 3 months; Plus earn 3X at grocery stores, on up to $1,500 per month through 9/30/2021 No Annual Fee |
Capital One Quicksilver |
Chase Southwest Airlines Rapid Rewards Premier Credit Card 30K points + Companion Pass through 2/28/21 30K points + Companion Pass through 2/28/21 after $5K spend in the first 3 months $99 Annual Fee |
Capital One Savor $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 |
Citi AAdvantage® Executive World Elite MasterCard® Recent better offer: 75K after $7.5K spend in 3 months |
Wells Fargo Cash Wise Visa® Card Alternate offer: Some people are targeted (in their online Wells Fargo account or via snail mail) for 3% cash rewards for the first year up to $30,000 spent) |
AT&T Access Card 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 |
Capital One VentureOne Rewards Credit Card |
Marriott Bonvoy Bold Credit Card This card is subject to Chase's 5/24 rule (click here for details). See Also: Are you eligible for a new Marriott card? Alternate offer: 1 Free Night Awards (worth up to 35K) after $1K spend in 3 months Recent better offer: 50K after $1K spend (expired 9/30/20) |
TD First Class Visa Signature® Card |
Capital One SavorOne Cash Rewards Credit Card |
Wyndham Rewards Earner Card |
Blue Cash Preferred® Card from American Express $300 cash back $300 cash back as a statement credit after $1K in the first 3 months. Terms Apply. (Rates & Fees) $95 Annual Fee 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) |
American Express Cash Magnet® Card $200 Cash Back $200 back after $1K in purchases in first 3 months. Terms apply. (Rates & Fees) No Annual Fee |
Bank of America Cash Rewards Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19] |
American Airlines AAdvantage MileUp Card |
United Club Business Card |
Capital One Spark Miles Select Business Credit Card |
The Blue Businessâ„ Plus Credit Card Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17) |
Capital One Spark Cash Select Business Credit Card $200 Cash Back One time bonus: $200 after $3,000 spend in 3 months from account opening No Annual Fee |
Amazon Business American Express Card Get a $125 Amazon Gift Card Eligible Prime members get a $125 Amazon.com Gift Card upon approval. No Annual Fee |
ABOC Platinum Rewards |
The Plum Card® from American Express Up to $600 Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees) No Annual Fee First Year, Then $250 |
The Amex EveryDay® Credit Card from American Express Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months. |
The Morgan Stanley Credit Card from American Express |
Affinity Cash Rewards Visa® Signature Credit Card |
LATAM Visa Signature issued by US Bank |
Delta SkyMiles® Blue Credit Card from American Express 10K miles 10K miles after $500 spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee |
Discover it® for Students $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 |
Hotels.com Rewards Visa Credit Card $125 Reward Night Get a reward night worth $125 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 |
Wyndham Rewards Visa issued by Barclays 30K points 30K: 15K after first purchase plus 15K after $1,000 spend in 90 days (note that you'll need to choose the annual fee card after clicking through) $75 Annual Fee |
Discover it Miles - Double Miles your first year $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 |
Verizon Visa Card |
Upromise World MasterCard® issued by Barclays |
AARP Credit Card from Chase This card is believed to not be subject to Chase's 5/24 rule Recent better offer: $200 after $500 spend in 3 months |
Schwab Investor Card® from American Express |
BBVA ClearPoints Credit Card $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 |
Royal Caribbean® Visa Signature® Credit Card 10K points + $50 Air2Sea program discount 10K points + $50 airfare discount: 10K after first purchase in the first 90 days + $50 Air2Sea program discount after $3.5K total in first 90 days (excludes students) No Annual Fee |
Korean Air SKYPASS Select Visa issued by US Bank Recent better offer: 30K after $3K in 90 days |
Discover it® $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 |
Discover it Business - Double cash back your first year First Year Double All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee |
Fidelity Rewards Visa Recent better offer: $100 back after $1K in first 3 months |
Citizens Bank Cash Back Plus® World Mastercard® Offer Expired Previous Offer: 10% back on groceries, restaurants, and food delivery (on up to $500 in purchases each month) until 5/5/21 No Annual Fee |
Santander® Ultimate Cash Back® credit card |
Alliant Cashback Visa Signature Card |
Delta SkyMiles® Reserve for Business Credit Card 45K miles + 10K MQMs 45K miles + 10K MQMs after $4K spend in the first 3 months. Terms and limitations apply. (Rates & Fees) $550 Annual Fee |
Delta SkyMiles® Reserve Credit Card from American Express 40K miles + 10K MQMs 40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees) $550 Annual Fee Alternate offer: Some find they are targeted for a 70K offer. Recent better offer: None |
Advertiser and Refer-A-Friend Disclosure
Many of the card offers that appear on this site are from companies from which Frequent Miler receives compensation. Please see my full advertiser disclosure here. And, some offers are friend referrals in which we will earn points or other rewards in exchange for successfully referring you through the link shown here.
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