Chase currently dominates my top picks. The new 100K Sapphire Preferred offer is my #1 consumer card pick, and the New United Business card 125K offer is my #1 business card pick, followed in the #2 spot by the 200K IHG business card offer.
Below you’ll find my picks and a dash of analysis for the top 5 consumer card offers and the top 5 business card offers.
Background
Our Best Credit Card Offers page always shows the best offers sorted overall and within each card issuer by estimated first year value. This is a great non-biased way to compare credit card offers, but it misses nuances such as whether or not the rewards are easy to use, whether or not the card is worth keeping long term, etc. With this monthly series, I list my top consumer offers and top business offers, but with a small dash of analysis for each.
Top 5 Consumer Card Offers
Chase Sapphire Preferred: 100K
| Card Offer and Details |
|---|
 ⓘ $1370 1st Yr Value EstimateTravel reimbursement valued at 80% of face value Click to learn about first year value estimates 100K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K after $5K spend in 3 months$95 Annual Fee FM Mini Review: Great welcome offer. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with no annual fee Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ Free DoorDash DashPass through 2027 ✦ $10 off each month on one non-restaurant orders from DoorDash ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit |
This is an awesome offer for an excellent card.
With this card, Chase Ultimate Rewards points are worth 1.25 cents each when redeemed for travel through Chase Travel. Additionally, if anyone in your household has the Sapphire Reserve card, you can move points to that card and then they’ll be worth 1.5 cents each through Chase Travel.
A better use of Chase Ultimate Rewards points is to transfer to select hotel and airline partners when you find great award deals. My favorite option is to transfer points to Hyatt since Hyatt points are often super-valuable for Hyatt’s own hotels. Other good options include:
- Transfer to United or Air Canada to book Star Alliance awards
- Transfer to Air France / KLM or Virgin Atlantic to book SkyTeam awards (including to fly Delta)
- Transfer to British Airways, Finnair, or Qatar to book oneworld awards (including to fly AA or Alaska Airlines)
Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
See also:
American Airlines: 70K after first purchase
| Card Offer |
|---|
 ⓘ $881 1st Yr Value EstimateClick to learn about first year value estimates 70K Miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 70K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee 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] |
This is a fantastic bonus considering the fact that it doesn’t require any significant spend. Plus, this may be the last chance to get a welcome bonus for this card… ever. In 2026, Citi will become the exclusive issuer of American Airlines cards. At that point, or perhaps sooner, this Barclays will stop offering this card. Get it while you can.
See also: My AAdvantage love affair continues
Hilton Surpass: 130K + free night
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />) ⓘ $1067 1st Yr Value EstimateHilton Free Night valued at $490, $200 Hilton credit ($50 per quarter) valued at $150 Click to learn about first year value estimates Limited Time Offer - 130K Points + free night certificate ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 130K points and a free night certificate after $3K spend within the first 6 months. Terms apply. (Offer Expires 4/29/2025)$150 Annual Fee Recent better offer: (Expired 7/31/24) 130K points + free night certificate after $3K spend within the first 6 months. |
This combination of 130,000 points plus a free night after only $3,000 spend in 6 months is hard to beat! Hilton’s free night certificates can be used at nearly any Hilton hotel worldwide and at many Small Luxury Hotels of the World (SLH) when standard rooms are available. A great option is for a couple to each apply so that you’ll have the opportunity to get 2 free nights plus the ability to spend $15K on each card for additional free nights.
Capital One Venture: 75K + $250 Travel Credit
| Card Offer and Details |
|---|
 ⓘ $1201 1st Yr Value Estimate85% of $250 in Capital One Travel portal reimbursements Click to learn about first year value estimates 75K Miles + $250 travel credit ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months + $250 Capital One Travel credit$95 Annual Fee Alternate Offer: Some links will sometimes display a better 100K offer. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel 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 |
The Venture Rewards card earns 2 transferrable points per dollar for all eligible spend, and it has no foreign transaction fees. That makes this a very good choice for anyone who wants to keep things simple with a single card that earns valuable rewards for all spend. That said, some will prefer the Venture X card since it includes extra perks that you won’t get with this Venture card.
Amex Gold: 90K
| Card Offer |
|---|
 ⓘ $1251 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates 90K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 90K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees)$325 Annual Fee Alternate Offer: 75K points after spending $6,000 in 6 months + 20% back at restaurants worldwide (limit $250 back) Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] |
The Amex Gold Card has been a favorite of ours since it debuted with its 4X dining and grocery categories (see above for details). Note that the alternate 75K Resy offer is potentially even better for those who spend a lot on dining.
See also: Amex Membership Rewards Points Complete Guide
More Great Consumer Card Offers
Here is an unfiltered list of all of the consumer rewards cards we track sorted by best estimated first year value (e.g. sorted with the best welcome bonuses on top):
| Card Offer Mini |
|---|
Chase Sapphire Preferred® Card 100K Points ⓘ $1370 1st Yr Value EstimateTravel reimbursement valued at 80% of face value Click to learn about first year value estimates |
American Express® Gold Card 90K points ⓘ $1251 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates |
Capital One Venture Rewards Credit Card 75K Miles + $250 travel credit ⓘ $1201 1st Yr Value Estimate85% of $250 in Capital One Travel portal reimbursements Click to learn about first year value estimates |
 Hilton Honors American Express Aspire Card Limited Time Offer - 175K Points + free night certificate ⓘ $1126 1st Yr Value Estimate$400 Hilton resort credit ($200 per six months) valued at $280, Hilton Free Night valued at $490, $200 airline credit ($50 per quarter) valued at $160 Click to learn about first year value estimates |
 Marriott Bonvoy Boundless® Credit Card 3 x 50K Free Night Certificates + 50K points ⓘ $1108 1st Yr Value EstimateMarriott 50K free night*3 Click to learn about first year value estimates |
 The Platinum Card® from American Express 100K points + 10x ⓘ $1104 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates |
Hilton Honors American Express Surpass® Card Limited Time Offer - 130K Points + free night certificate ⓘ $1067 1st Yr Value EstimateHilton Free Night valued at $490, $200 Hilton credit ($50 per quarter) valued at $150 Click to learn about first year value estimates |
 The New United℠ Explorer Card 80k miles ⓘ $989 1st Yr Value EstimateClick to learn about first year value estimates |
 Alaska Airlines Visa Signature 75K miles + Companion Fare ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Venture X Rewards Credit Card 75K Miles ⓘ $944 1st Yr Value Estimate85% of $300 in Capital One Travel portal reimbursements Click to learn about first year value estimates |
 Marriott Bonvoy® Brilliant® American Express® Card Limited Time Offer - 185K Points ⓘ $937 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates |
 The New United Quest℠ Card 90K Miles + 500 PQPs ⓘ $932 1st Yr Value Estimate$200 United credit at 90% face value Click to learn about first year value estimates |
 Amtrak Guest Rewards® Preferred Mastercard® 40K points ⓘ $916 1st Yr Value EstimateClick to learn about first year value estimates |
AAdvantage Aviator Red World Elite MasterCard 70K Miles ⓘ $881 1st Yr Value EstimateClick to learn about first year value estimates |
 Marriott Bonvoy® Bevy™ American Express® Card Limited Time Offer - 155K Points ⓘ $854 1st Yr Value EstimateClick to learn about first year value estimates |
 Hilton Honors American Express Card Limited Time Offer - 70K Points + free night certificate ⓘ $795 1st Yr Value EstimateHilton Free Night valued at $490 Click to learn about first year value estimates |
 The Platinum Card® from American Express Exclusively for Morgan Stanley 80K points ⓘ $794 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates |
 The Platinum Card® from American Express for Schwab 80K points ⓘ $794 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates |
 Barclays JetBlue Plus Mastercard 70K Miles ⓘ $794 1st Yr Value EstimateClick to learn about first year value estimates |
 Wyndham Rewards Earner Plus Card 90K Points ⓘ $794 1st Yr Value EstimateClick to learn about first year value estimates |
 Air France KLM World Elite Mastercard 70K miles + 100XP ⓘ $790 1st Yr Value EstimateClick to learn about first year value estimates |
 The Hawaiian Airlines® World Elite MasterCard® issued by Barclays 60K Miles ⓘ $786 1st Yr Value EstimateClick to learn about first year value estimates |
 The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® 60K Miles ⓘ $771 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest Rapid Rewards® Plus Credit Card 65K points ⓘ $759 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase British Airways Visa Signature® Card 85K Avios ⓘ $745 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Iberia Visa Signature® Card 85K Avios ⓘ $745 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Aer Lingus Visa Signature® Card 85K Avios ⓘ $745 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Strata Premier℠ Card 60K Points ⓘ $745 1st Yr Value EstimateClick to learn about first year value estimates |
 IHG One Rewards Premier Credit Card 140k points ⓘ $735 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Autograph Journey℠ Card 60K points ⓘ $721 1st Yr Value Estimate$50 statement credit for $50+ airline purchase valued at 80% of face value Click to learn about first year value estimates |
 The Aeroplan® Card Up to 70K Points ⓘ $697 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® 50K Miles ⓘ $660 1st Yr Value EstimateClick to learn about first year value estimates |
 Free Spirit Travel More Mastercard 50K Points + $100 Voucher ⓘ $632 1st Yr Value Estimate$100 companion voucher at 50% face value Click to learn about first year value estimates |
 avianca lifemiles American Express® Elite Card Up to 100K miles ⓘ $626 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest Rapid Rewards® Premier Credit Card Limited Time Offer - 30K points + Companion Pass ⓘ $613 1st Yr Value EstimateCompanion pass valued at 30,000 points Click to learn about first year value estimates |
 Delta SkyMiles® Gold American Express Card 50K miles ⓘ $588 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates |
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 Chase Sapphire Reserve® Card 60K Points ⓘ $545 1st Yr Value EstimateTravel reimbursement valued at 90% of face value Click to learn about first year value estimates |
 Bank of America Premium Rewards 60K points ⓘ $535 1st Yr Value Estimate$100 travel reimbursement valued at 90% face value Click to learn about first year value estimates |
 Bank of America Premium Rewards Elite 75K points ⓘ $530 1st Yr Value Estimate$300 travel reimbursement + $150 lifestyle conveniences reimbursement (streaming services, food delivery, fitness subscriptions and rideshare services) valued at 90% face value Click to learn about first year value estimates |
 Lufthansa Miles & More® Premier World MasterCard® issued by Barclays 50K Miles ⓘ $510 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest Rapid Rewards® Priority Credit Card 50K points ⓘ $484 1st Yr Value EstimateClick to learn about first year value estimates |
 TAP MIles&Go American Express Card 50K miles ⓘ $467 1st Yr Value EstimateClick to learn about first year value estimates |
 Frontier Airlines World MasterCard® Up to 60K miles ⓘ $461 1st Yr Value EstimateClick to learn about first year value estimates |
 IHG One Rewards Traveler Credit Card 80K Points ⓘ $461 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United Club℠ Card 95K Miles ⓘ $455 1st Yr Value EstimateClick to learn about first year value estimates |
 American Express® Green Card 40K points ⓘ $427 1st Yr Value EstimateClick to learn about first year value estimates |
 HSBC Premier World Mastercard® credit card 50K points ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates |
 Virgin Red Rewards Mastercard® 40K Points ⓘ $413 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo One Key+™ Mastercard $600 OneKeyCash ⓘ $405 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Choice Privileges Mastercard 60K Points ⓘ $379 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase World of Hyatt Credit Card Up to 45K points ⓘ $376 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United Gateway(SM) Card 30K Miles ⓘ $373 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Freedom Unlimited® Limited Time Offer: $250 cash back* ⓘ $371 1st Yr Value EstimateClick to learn about first year value estimates |
 avianca lifemiles American Express® Card 40K miles ⓘ $370 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Platinum American Express Card 60K miles ⓘ $360 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates |
 Korean Air SKYPASS Visa issued by US Bank 40K miles ⓘ $357 1st Yr Value EstimateClick to learn about first year value estimates |
 Best Western Rewards® Premium Visa Signature® Card 80K points ⓘ $346 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo One Key™ Mastercard $400 OneKeyCash ⓘ $344 1st Yr Value EstimateClick to learn about first year value estimates |
 First Tech Choice Rewards World Mastercard® $400 cash back ⓘ $340 1st Yr Value EstimateClick to learn about first year value estimates |
 Marriott Bonvoy Bountiful™ Card 85K points Points ⓘ $337 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage® Executive World Elite Mastercard® 75K miles ⓘ $335 1st Yr Value EstimateClick to learn about first year value estimates |
 Disney Premier Visa Card $400 Cash Back ⓘ $331 1st Yr Value EstimateClick to learn about first year value estimates |
 Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card 40K Miles ⓘ $327 1st Yr Value EstimateClick to learn about first year value estimates |
 Barclays JetBlue Premier Mastercard 70K Miles + 5 tiles ⓘ $326 1st Yr Value EstimateClick to learn about first year value estimates |
 Emirates Skywards Rewards World Elite Mastercard 40K Miles + 1 Year Silver status ⓘ $306 1st Yr Value EstimateClick to learn about first year value estimates |
Amtrak Guest Rewards Platinum Mastercard 12K points ⓘ $303 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Double Cash® Card 20K points ⓘ $300 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Freedom Flex $200 cash back* ⓘ $293 1st Yr Value EstimateClick to learn about first year value estimates |
 AT&T Points Plus Card $200 statement credit ⓘ $285 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One VentureOne Rewards Credit Card 20K miles ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates |
 Qatar Airways Privilege Club Signature Card Up to 40K Avios ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates |
 Blue Cash Everyday® Card from American Express Up to $350 back ⓘ $280 1st Yr Value Estimate$150 in dining credits in first 6 months valued at $120 Click to learn about first year value estimates |
 Royal Caribbean® Visa Signature® Credit Card 30K Points ⓘ $280 1st Yr Value EstimateClick to learn about first year value estimates |
 Celebrity Cruises® Visa Signature® Credit Card 30K Points ⓘ $280 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Custom Cash® Card 20K Points ⓘ $278 1st Yr Value EstimateClick to learn about first year value estimates |
 PenFed Pathfinder Rewards 50K Points ⓘ $278 1st Yr Value EstimateClick to learn about first year value estimates |
 BREEZE EASY™ VISA® CREDIT CARD 40K Points ⓘ $271 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Autograph℠ Card 20K points ⓘ $264 1st Yr Value EstimateClick to learn about first year value estimates |
 Korean Air SKYPASS Select Visa issued by US Bank 60K miles ⓘ $245 1st Yr Value EstimateClick to learn about first year value estimates |
 Carnival® World Mastercard® 25K FunPoints ⓘ $240 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Choice Privileges Mastercard Select 60K Points ⓘ $237 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Travel Rewards 25K points worth $250 ⓘ $235 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Shopper Cash Rewards™ Visa Signature® Card $250 cash back ⓘ $220 1st Yr Value EstimateClick to learn about first year value estimates |
 Best Western Rewards® Visa Signature® Card 40K points ⓘ $217 1st Yr Value EstimateClick to learn about first year value estimates |
 Marriott Bonvoy Bold Credit Card 30K points ⓘ $206 1st Yr Value EstimateClick to learn about first year value estimates |
 American Airlines AAdvantage® MileUp® Card 15K miles ⓘ $202 1st Yr Value EstimateClick to learn about first year value estimates |
 Morgan Stanley Blue Cash Preferred® American Express Card $350 back ⓘ $195 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Shop Your Way Mastercard $225 Cash Back ⓘ $195 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Active Cash Card $200 Cash Back ⓘ $195 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Quicksilver Cash Rewards Credit Card $200 Cash Back ⓘ $193 1st Yr Value EstimateClick to learn about first year value estimates |
Blue Cash Preferred® Card from American Express $250 back ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Savor Cash Rewards Credit Card $200 Cash Back ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Disney Visa Card $200 Cash Back ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Evergreen® by FNBO Credit Card $200 Back ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 TD First Class Visa Signature® Card 25K points ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Schwab Investor Card® from American Express $200 Cash Back as a statement credit ⓘ $185 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Unlimited Cash Rewards $200 cash bonus ⓘ $185 1st Yr Value EstimateClick to learn about first year value estimates |
 AARP® Essential Rewards Mastercard® $200 Cash Back ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 AARP® Travel Rewards Mastercard® $200 Cash Back ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Customized Cash Rewards $200 Cash Back ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 Norwegian Cruise Line® World Mastercard® 20K Points ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 TD Cash Visa Credit Card $200 Cash Back ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD 20K points ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD 20K points ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Cash+® $200 Cash Back ⓘ $180 1st Yr Value EstimateClick to learn about first year value estimates |
 LATAM Airlines World Elite Mastercard 60K Miles + 6K Qualifiying Points ⓘ $177 1st Yr Value EstimateClick to learn about first year value estimates |
 Allegiant World Mastercard® Credit Card 25K miles ⓘ $171 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Reserve American Express Card 70K miles ⓘ $163 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates |
 Sun Country Airlines® Visa Signature® Card 25K points ⓘ $151 1st Yr Value EstimateClick to learn about first year value estimates |
 Amazon Prime Visa $150 Amazon Gift Card ⓘ $135 1st Yr Value Estimate$150 gift card at 90% Click to learn about first year value estimates |
 HSBC Premier World Elite Mastercard® credit card 60K points ⓘ $125 1st Yr Value EstimateClick to learn about first year value estimates |
 Discover it® for Students $100 + $20/year ⓘ $120 1st Yr Value EstimateClick to learn about first year value estimates |
 MGM Rewards Mastercard 15K points + 15K Tier Credits ⓘ $120 1st Yr Value EstimateClick to learn about first year value estimates |
 Verizon Visa Card Up to $150 in statement credits ⓘ $120 1st Yr Value EstimateClick to learn about first year value estimates |
 LATAM Airlines Mastercard 25K Miles + 2.5K Qualifiying Points ⓘ $114 1st Yr Value EstimateClick to learn about first year value estimates |
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 Free Spirit Travel Mastercard 10K Points ⓘ $111 1st Yr Value EstimateClick to learn about first year value estimates |
 Discover it Miles - Double Miles your first year $100 + First Year Double ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates |
 Discover it® $100 Back + First Year Double ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Blue American Express Card 10K miles ⓘ $97 1st Yr Value EstimateClick to learn about first year value estimates |
 Caesars Rewards® Visa Signature® Card 10K Reward Credits + 2.5K Tier Credits ⓘ $93 1st Yr Value EstimateClick to learn about first year value estimates |
 Upromise World MasterCard® issued by Barclays $100 Cash back ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates |
 Affinity Cash Rewards Visa® Signature Credit Card $150 cash back ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates |
 Holland America Line Rewards Visa® Card 10K Points ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates |
 Princess® Rewards Visa® Card 10K Points ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates |
 Amazon Visa $100 Amazon Gift Card ⓘ $90 1st Yr Value Estimate$100 Amazon gift card at 90% face value Click to learn about first year value estimates |
 Wells Fargo Attune World Elite Mastercard® $100 Cash Back ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates |
 BECU Cash Back Visa credit card $100 Cash Back ⓘ $70 1st Yr Value EstimateClick to learn about first year value estimates |
 Rocket Mortgage Visa $200 Statement Credit ⓘ $53 1st Yr Value EstimateClick to learn about first year value estimates |
 PRICELINE REWARDS VISA® CARD Card is no longer available ⓘ $50 1st Yr Value EstimateClick to learn about first year value estimates |
 Emirates Skywards Premium World Elite Mastercard 50K Miles + 1 Year Gold status ⓘ $20 1st Yr Value EstimateClick to learn about first year value estimates |
 PenFed Platinum Rewards 15K Points ⓘ $7 1st Yr Value EstimateClick to learn about first year value estimates |
 Alliant Cashback Visa Signature Card None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 DoorDash Rewards Mastercard® Free DashPass ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Citizens Bank Cash Back Plus® World Mastercard® None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Bread Rewards™ American Express® Credit Card No welcome offer ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 Simon® American Express® Credit Card from Cardless No Welcome Bonus ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Getaway by FNBO® Credit Card 0% APR ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 PNC Cash Rewards® Visa® Credit Card 0% APR on balance transfers ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Santander® Ultimate Cash Back® credit card 3% back for 12 months ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 Paypal Cashback Mastercard None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Paypal Business Cashback Mastercard No Welcome Bonus ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Signature None (call to apply) ⓘ $0 1st Yr Value EstimateAssume not going for $50K spend Click to learn about first year value estimates |
 U.S. Bank Smartly™ Visa Signature® Card None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 Qatar Airways Privilege Club Infinite Card Up to 50K Avios + 150 Qpoints ⓘ $-44 1st Yr Value EstimateClick to learn about first year value estimates |
 The Owner's Rewards Card by M1 No Welcome Bonus ⓘ $-60 1st Yr Value EstimateClick to learn about first year value estimates |
 CNB Crystal Visa Infinite Credit Card None ⓘ $-85 1st Yr Value Estimate$350 airline fee reimbursement valued at 90% face value. Click to learn about first year value estimates |
 U.S. Bank FlexPerks® Gold American Express® card None ⓘ $-125 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Infinite None (call to apply) ⓘ $-270 1st Yr Value EstimateAirline fee reimbursement valued at 90% of face value Click to learn about first year value estimates |
Top 5 Business Card Offers
Applying for Business Credit Cards: You must have a business to apply, but even a simple sole proprietorship will work. It's likely that you have a business even if you don't realize it.
When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
More:
You must have a business (but you probably do): In order to apply for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
United Business Card: 125K
| Card Offer and Details |
|---|
 ⓘ $1390 1st Yr Value EstimateClick to learn about first year value estimates 125K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K miles after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025)$150 Annual Fee FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $125 annual United travel credit after 5 United flight purchases greater than $100 each calendar year ✦ Earn up to 4,000 PQPs per year: 1 PQP per $20 spend ✦ 2 Economy Plus seat upgrade credits after $25K in purchases in a calendar year Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Up to $50 in statement credits for United Hotels purchases up to two times per cardmember year ✦ Up to $100 in rideshare statement credits (up to $8/mo from January to November and up to $12 in December) Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ Up to $25 in TravelBank cash for eligible Avis or Budget car rentals up to two times per cardmember year ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ✦ 25% back as a statement credit on United in-flight and Club Premium drink purchases ✦ One $10 Instacart credit per month when you have Instacart+ ✦ FareLock $25 per anniversary year |
This is a great bonus for relatively low spend (for a business card). The card has decent perks for United flyers. I also like the fact that this card is potentially worth keeping long-term for anyone who also has a personal United card (including a no-annual-fee card) because this one offers 5,000 miles every year for those with both this card and a personal United card, plus it has a slew of rebates that could make this card a keeper.
IHG Premier Business: 200K
| Card Offer and Details |
|---|
 ⓘ $1038 1st Yr Value EstimateClick to learn about first year value estimates Up to 200K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $4K on purchases in the first 3 months from account opening. Plus, earn an additional 60K Bonus Points after spending a total of $9K in the first 6 months from account opening.$99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). Recent better offer: 200K after $9k spend in 6 months (expired 11/9/24) Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year ✦ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) |
This is a fantastic offer for this card. Beyond the welcome bonus, this is a very good card to keep for the annual free night which can be topped-off with points (e.g. book a night that costs 60K points with a 40K free night plus 20K points). The certificate alone is easily worth the card’s annual fee, but the card also includes Platinum Elite status, up to $50 per year in United Airlines credits, and 4th Night Free award bookings.
Capital One Venture X Business Card: 150K
| Card Offer |
|---|
 ⓘ $2005 1st Yr Value Estimate85% of $300 in Capital One Travel portal reimbursements Click to learn about first year value estimates 150K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a one-time bonus of 150K miles after $30K spend in the first 3 months. (Rates & Fees)$395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. |
The Venture X Business card is almost identical to the consumer Venture X, but it is a business charge card. Both cards offer excellent perks and basically pay for themselves with their annual point bonuses and travel credits.
See also: Capital One “Miles” Complete Guide.
Ink Business Cash: 75K + great 5X categories
| Card Offer |
|---|
 ⓘ $1035 1st Yr Value EstimateClick to learn about first year value estimates Up to $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $350 (*awarded as 35,000 points) after $3K spend in 3 months and an additional $400 (*awarded as 40,000 points) after $6K spend in 6 months. No Annual Fee Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
This fee-free card belongs in every point collector’s wallet. It offers 5X for office supplies and 5X for phone service, cable TV, and internet (on up to $25,000 in total purchases in 5X categories annually). Many families would do well to setup their phone, TV, and internet bills to autopay from the Ink Business Cash card in order to earn 5X rewards without any effort whatsoever.
Even though Chase describes this as a cash back card, rewards are actually in the form of Ultimate Rewards points. Once you earn the points, you can cash them out for a penny each, but that’s not the best way to get the most value. A better option is to move points to a card that makes the points more valuable for travel (Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred). For example, you could move the points to your (or a household member’s) Sapphire Reserve card and then use points to pay for travel at 1.5 cents per point value, or you can transfer points to loyalty programs such as Hyatt, United, Air Canada, Air France/KLM, Virgin Atlantic, and more.
See also:
Ink Business Unlimited: 75K + 1.5x everywhere
| Card Offer |
|---|
 ⓘ $1080 1st Yr Value EstimateClick to learn about first year value estimates $750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $750 (*awarded as 75,000 points) after $6k spend in 3 monthsNo Annual Fee |
Even though Chase describes this as a cash back card, rewards are actually in the form of Ultimate Rewards points. Once you earn the points, you can cash them out for a penny each, but that’s not the best way to get the most value. A better option is to move points to a card that makes the points more valuable for travel (Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred). For example, you could move the points to your (or a household member’s) Sapphire Reserve card and then use points to pay for travel at 1.5 cents per point value, or you can transfer points to loyalty programs such as Hyatt, United, Air Canada, Air France/KLM, Virgin Atlantic, and more.
See also:
More Great Business Card Offers
Here is an unfiltered list of all of the business rewards cards we track sorted by best estimated first year value (e.g. sorted with the best welcome bonuses on top):
| Card Offer Mini |
|---|
Capital One Venture X Business Card 150K Miles ⓘ $2005 1st Yr Value Estimate85% of $300 in Capital One Travel portal reimbursements Click to learn about first year value estimates |
 The Business Platinum Card® from American Express 150K points ⓘ $1820 1st Yr Value Estimate$200 airline incidental fee credit valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90 Click to learn about first year value estimates |
 Capital One Spark Cash Plus $2,000+ Cash Back ⓘ $1550 1st Yr Value EstimateClick to learn about first year value estimates |
The New United℠ Business Card 125K Miles ⓘ $1390 1st Yr Value EstimateClick to learn about first year value estimates |
 Ink Business Preferred® Credit Card 90K points ⓘ $1135 1st Yr Value EstimateClick to learn about first year value estimates |
Ink Business Unlimited® Credit Card $750 cash back* ⓘ $1080 1st Yr Value EstimateClick to learn about first year value estimates |
IHG One Rewards Premier Business Credit Card Up to 200K points ⓘ $1038 1st Yr Value EstimateClick to learn about first year value estimates |
Ink Business Cash® Credit Card Up to $750 cash back* ⓘ $1035 1st Yr Value EstimateClick to learn about first year value estimates |
 Alaska Airlines Visa Business Card 75K miles + Companion Fare ⓘ $970 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage Business™ World Elite Mastercard® 75K miles ⓘ $970 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />){kind=small} American Express® Business Gold Card 100K points ⓘ $958 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United Club℠ Business Card 125K Miles ⓘ $878 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest® Rapid Rewards® Performance Business Credit Card 80K points ⓘ $756 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase World of Hyatt Business Credit Card 60K points ⓘ $756 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Spark Miles for Business 50K Miles ⓘ $721 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Ink Business Premier® $1,000 Cash Back ⓘ $705 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />){kind=small} Hilton Honors American Express Business Card Limited Time Offer - 175K Points ⓘ $700 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180 Click to learn about first year value estimates |
 Marriott Bonvoy Business® American Express® Card 3 x 50K Free Night Certificates ⓘ $698 1st Yr Value EstimateMarriott 50K free night*3 Click to learn about first year value estimates |
 Delta SkyMiles® Gold Business American Express Card 60K miles ⓘ $691 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates |
 Capital One Spark Miles Select Business Credit Card 50K Miles ⓘ $688 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Spark Cash $750 Cash Back ⓘ $675 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Business Triple Cash Rewards World Elite™ Visa $750 Cash Back ⓘ $660 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest® Rapid Rewards® Premier Business Credit Card 60K points ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Business Leverage® Visa Signature® Card 75K Points ⓘ $600 1st Yr Value EstimateClick to learn about first year value estimates |
 The Hawaiian Airlines® Business MasterCard® issued by Barclays 50k Miles ⓘ $591 1st Yr Value EstimateClick to learn about first year value estimates |
 TD Business Solutions Visa Up to $750 Cash Back ⓘ $550 1st Yr Value EstimateClick to learn about first year value estimates |
 JetBlue Business Card 50K Miles ⓘ $517 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD 60K points ⓘ $480 1st Yr Value EstimateClick to learn about first year value estimates |
 Korean Air SKYPASS Business Visa issued by US Bank 50K miles ⓘ $470 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Business Altitude Power World Elite Mastercard 75K points ⓘ $455 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Signify Business Cash℠ Card $500 Cash Back ⓘ $450 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Platinum Business American Express Card 70K miles ⓘ $444 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates |
 Capital One Spark Cash Select $500 Cash Back ⓘ $433 1st Yr Value EstimateClick to learn about first year value estimates |
 Business Advantage Unlimited Cash Rewards credit card $500 statement credit ⓘ $425 1st Yr Value EstimateClick to learn about first year value estimates |
 Wyndham Rewards Earner Business Card Up to 75K Points ⓘ $424 1st Yr Value EstimateClick to learn about first year value estimates |
 BOA Business Advantage Travel Rewards World Mastercard 30K points ⓘ $255 1st Yr Value EstimateClick to learn about first year value estimates |
 Business Advantage Customized Cash Rewards credit card $300 statement credit ⓘ $240 1st Yr Value EstimateClick to learn about first year value estimates |
 The Blue Business® Plus Credit Card from American Express 15K points + 0% APR for 12 months ⓘ $236 1st Yr Value EstimateClick to learn about first year value estimates |
 The American Express Blue Business Cash™ Card $250 back + 0% APR for 12 months ⓘ $220 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/0877ce67-755f-4abc-a129-c9b5e47a3a58.jpg?w=300" alt="Delta SkyMiles® Reserve Business American Express Card" />){kind=small} Delta SkyMiles® Reserve Business American Express Card 80K miles ⓘ $210 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click to learn about first year value estimates |
 BOA Platinum Plus Business Mastercard $300 Cash Back ⓘ $210 1st Yr Value EstimateClick to learn about first year value estimates |
 Evergreen® by FNBO Business Edition® Credit Card $200 Cash Back ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Amazon Business Prime American Express Card $125 Amazon Gift Card ⓘ $115 1st Yr Value Estimate$125 Amazon gift card valued at $115 Click to learn about first year value estimates |
 Business Green Rewards Card from American Express 15K points ⓘ $94 1st Yr Value EstimateClick to learn about first year value estimates |
 Costco Anywhere Business Visa No Welcome Bonus ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 |
 UBS Visa Signature Business None (call to apply) ⓘ $0 1st Yr Value EstimateAssume not going for $50K spend Click to learn about first year value estimates |
 The Plum Card® from American Express Up to $600 ⓘ $-100 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Cash Rewards Visa Business None (call to apply) ⓘ $-150 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Infinite Business None (call to apply) ⓘ $-235 1st Yr Value EstimateAirline fee reimbursement valued at 90% of face value Click to learn about first year value estimates |
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I would love to open one business account and one personal account. Suggestions as to the best?
It’s really hard to say. It depends so much on what goals you have, how much you can spend to meet minimum spend requirements, what cards you already have, etc.
Check out the new format for this post, though. It might be more helpful than before.
I obtained a Marriott Brilliant card in August. I recently applied for the Marriott AMEX Business Bonvoy with the 125k offer and was refused. I wonder why that would be the case, as the Brilliant card was the only one I have opened in the past few years? When would it make sense to reapply?
Just a note to say that I tend to come back to this page throughout the month as I think of next steps. It’s not perfect, but it’s a great resource to have all this at one’s fingertips. I don’t say I follow FM’s trail everywhere it leads, but when my inclinations line up with your recs, that’s a pretty good indicator.
That’s great to hear!
Amex Marriott Brilliant now up to 250k. In a 150k plus 75k format. Not certain if it’s targeted.
Where did you see that offer?
Curious why you didn’t include the delta cards. In most cases, the first year value of the delta cards is higher than any of these other airline offers.
Good catch. I took them out when the bonuses dropped and forgot to put them back when the bonuses went up again. I’ll add them.
Greg, small point: On the Ink Business Preferred: 100K, you say: “Who shouldn’t get it: Don’t apply if you don’t have a business or if you’re over 5/24″.
But that should be “Don’t apply if you don’t have a business or if you’re not UNDER 5/24”.
I see what you mean but I don’t love the sort-of double negative “not under”. How about “… or if you’re at or over 5/24”
Not sure about the requirements for the 200k AMEX BIZ Plat offer. In the separate post, I understood it to say that I must do the checking account AND the $15k spend to get the 200K MRs. I already have the AMEX checking (from the original offer) so if I just do the spend will I get the MRs?
You would get the 150K only.
The 200k offer listed at the top here is different. This one doesn’t require a business checking account
I was thinking about replacing my vanilla Platinum with the Schwab as I’d prefer a reasonable cash out option, but the linked page shows only 80K, not, 100K. Has the offer gone down?
Sorry about that. Yes the offer went down.
Would you recommend applying for the current Platinum offer (150K + $200) or wait until early December to apply given the ability to triple dip the calendar year credits? I’d very likely only hold for 1 year and cancel after second AF posts.
If you’re confident you can use the various perks (like the $200 airline fee credit) quickly in December of 23 and January of 25, then I’d wait. There’s always a chance that the signup bonus will be significantly worse then, though, so there’s some risk, but my guess is that you’ll be able to find at least a 150K offer even if the $200 extra is no longer available.
When I click the 160K link for the Amex Biz Plat, it shows a 155K bonus – 150K for the card, 5K for the AU. And then when I click thru and login, it says it is no longer available (not sure if that means it is unavailable just for me, or for everyone).
However I did just receive an email for the 200K Biz Plat + Biz checking with an Apr 30 expiration. I already have the checking (60K bonus should be posting soon), does anyone know if I can do it again to get a net 50K bonus assuming I get another Biz Plat?
Thanks. I’ve updated that section to say 150K + 5K. It still works for me when I log in so I believe that you aren’t targeted.
I don’t know the answer to your question about the biz checking bundle
That streets are saying csp may go 90k soon.
Greg: you mention that the $50K spend requirement for the Capital One Venture X Business Card could possibly be better spent elsewhere. “Also, if you prefer to sign up for lots of cards, you can do much better with $50K of spend.” Could you give me an example(s) of what you are referring to?
Greg is referring to doing several sign-up bonuses rather than just the one with Cap1. For example, from the list above, you could get an Amex Business Platinum with $15K required spend and a Chase Ink with $6K required spend. If you wanted to only be applying for business cards (e.g. to stay under 5/24), and if you wanted to spread your applications across banks, you could add the BofA Alaska Biz card for $4K and the Barclays AA or JetBlue Biz card for $2K, taking your total to $27K and still with $23K for spend on different new cards. You need to give 90 days and then you can apply for another Biz Plat or Chase Ink (though by then the 90K bonus will probably be gone), or maybe get a Amex Biz Gold or … there are a lot of options. I am not factoring in all the annual fees, you would need to look at the annual fee costs as well as the value to you of all the points/cash-back earned in bonuses and the perks provided by the cards (e.g. how much are the Dell credits on the Biz Plat worth to you).
Thank you!
A couple small things – for Ink Biz Preferred, current CIC is 90% of points with 40% of minimum spend – not 75% and 50%.
Also, I thought you could no longer get IHG premier if you had the old IHG card. I gather it may not always be enforced?
I have both the Ink Cash and Ink Unlimited cards for some years now. In my chase account, I see offers “Just for You” for both of the 90k offers plus the Ink Preferred cards. Is it possible to receive the SUB again for the Inks, and have two of the same cards?
Yes.
Greg, I’ve heard that there needs to be at least 90 days between Amex NLL offers on the same card type. Any thoughts? Thanks.