Below you’ll find my picks for the best current credit card offers, along with a dash of analysis.
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, unbiased way to compare credit card offers, but it misses nuances such as whether rewards are easy to use and whether the card is worth keeping long term. In this monthly series, I list my picks for the best consumer and business offers, with a small dash of analysis for each.
My Consumer Card Picks
American Express Platinum Card®: As high as 175K points
| Card Offer |
|---|
 ⓘ $2630 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels + Resorts® credit valued at $300, $300 Digital Entertainment Credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48 Click to learn about first year value estimates As high as 175K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 175K points after $12K spend in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$895 Annual Fee Recent better offer: Up to 175K points after $8K spend in the first 6 months. (Expired 2/4/26) 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. |
This is a great offer for an excellent card. For many cardholders, the card’s many perks and credits are easily worth more than the annual fee.
See also: How to maximize value with your American Express Platinum Card®
Chase Sapphire Reserve® Card: 125K points
| Card Offer |
|---|
 ⓘ $1544 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit (2x per calendar year) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75 Click to learn about first year value estimates 125K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K after $6K spend in the first 3 months. $795 Annual Fee FM Mini Review: Good all-around card for frequent traveler. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards. Click here for our complete card review |
This is the biggest points offer we’ve seen with this card. 125,000 points can be used for up to $2,500 in stays booked through The Edit by Chase Travel℠ or up to $2,500 in premium cabin flights when 2x Points Boosts are available. Full details about the Sapphire Reserve card’s new features can be found here: Introducing the new couponified Chase Sapphire Reserve.
American Express® Gold Card: As high as 100K points
| Card Offer |
|---|
 ⓘ $1307 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 As high as 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 100K points after $6K spend in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$325 Annual Fee 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] FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. |
100K is a great offer if you can snag it. The Amex Gold Card has been a favorite of ours since it debuted with its 4X dining and grocery categories (see above for details).
See also: Amex Membership Rewards Points Complete Guide
Southwest Consumer Cards: Points + Companion Pass
| Card Offer |
|---|
 ⓘ $533 1st Yr Value EstimateClick to learn about first year value estimates 50K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 50K points after $1K spend in the first 3 months$99 Annual Fee 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). Recent better offer: 85K points after $3K spend in the first 3 months (Expired 12/16/25) FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year. |
 ⓘ $539 1st Yr Value EstimateClick to learn about first year value estimates 55K 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 55K points after $1,500 spend in the first 3 months$149 Annual Fee 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. Recent better offer: 85K points after $3K spend in the first 3 months (Expired 12/16/25) |
 ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates 60K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K points after $2K spend in the first 3 months$229 Annual Fee This card is known to be subject to Chase's 5/24 rule. Recent better offer: 85K points after $3K spend in the first 3 months (Expired 12/16/25) FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. |
All three Southwest consumer cards currently offer points plus a Companion Pass valid through 2/28/27. If you can make good use of the Companion Pass over the next 12 months, then any one of these offers can be incredibly valuable.
See: Southwest Companion Pass Complete Guide
Chase Sapphire Preferred® Card: 75K points
| Card Offer |
|---|
 ⓘ $985 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates 75K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 75,000 bonus points after spending $5,000 within the first three months from account opening.$95 Annual Fee Recent better offer: Expired 5/14/25: 100K after $5K spend 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. |
This is an excellent offer for an excellent card.
Capital One Venture Rewards: 75K Miles + $250 Travel Credit
| Card Offer and Details |
|---|
 ⓘ $1205 1st Yr Value Estimate$250 travel credit valued at $220 Click to learn about first year value estimates 75K Miles + $250 Capital One Travel credit 75k miles after $4k spend within first 3 months + $250 to use on Capital One Travel in your first cardholder year$95 Annual Fee Alternate Offer: Alternate offer for 75k miles + $300 travel credit available for some via referral pre-approval 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 $4k spend within first 3 months + a one-time $250 Capital One Travel credit to use in your 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: 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel ✦ 5X miles on Capital One Entertainment ✦ 2X miles everywhere 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 ✦ Transfer Miles to airline miles & hotel points |
The Venture Rewards card earns 2 transferable points per dollar on all eligible purchases and 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.
See also: Capital One “Miles” Complete Guide.
Delta Amex Cards: Up to 125K
| Card Offer |
|---|
 ⓘ $712 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates Up to 125K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases with your new Card, and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card, both within your first 6 months.. Terms apply. Rates & Fees (Offer Expires 4/1/2026)$650 Annual Fee Recent better offer: 125,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first 6 months of card membership. (Expired 10/29/25) FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
 ⓘ $758 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates Up to 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 80,000 Bonus Miles after you spend $4,000 in purchases with your new Card, and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card, both within your first 6 months.Terms apply. Rates & Fees (Offer Expires 4/1/2026)$350 Annual Fee Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details. FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
 ⓘ $988 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates Up to 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 70,000 Bonus Miles after you spend $3,000 in purchases with your new Card, and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card, both within your first 6 months. Terms apply. Rates & Fees (Offer Expires 4/1/2026)$0 introductory annual fee for the first year, then $150 Alternate Offer: Dummy booking offer of 50K + $500 credit. See this for more details. FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. |
Delta bumps up its welcome offers two or three times per year, and right now is one of those times. If you’re interested, this is a great time to pick one up. The Gold card is best for occasional Delta flyers; the SkyMiles Platinum card is best for those who value elite status and the card’s annual companion ticket; and the Reserve card is best for those who value Delta elite status, Sky Club access, and the card’s annual first-class companion ticket. In general, Delta’s business cards are better than its personal cards because they offer larger hotel rebates through Delta Stays.
See also: Delta SkyMiles Complete Guide and Shortcuts to Delta elite status
Marriott Bonvoy Boundless: Five 50K Free Nights
| Card Offer and Details |
|---|
 ⓘ $1058 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912, Marriott 50K Free Night valued at $304 Click to learn about first year value estimates Up to Four 50K Free Night Certificates + $100 airfare credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 3 Free Night Awards after spending $3k on eligible purchases within 3 months of account opening, and earn 1 additional Free Night Award after spending $4k total on eligible purchases within 4 months of account opening. Plus, get up to $100 in statement credits after spending $500 on eligible airline purchases. $95 Annual Fee Recent better offer: None Earning rate: 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Earn Gold status when you spend $35K each calendar year ✦ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit See also: Marriott Bonvoy Complete Guide |
This is an excellent offer for this card. If you’re interested in staying at mid-tier Marriott hotels rather than top-of-the-line luxury, you should be able to do very well with these certificates. Certificates can be topped off with up to 15,000 points to book nights that cost up to 65,000 points per night. Note, though, that in expensive destinations, high-end Marriott hotels usually cost more than 65,000 points per night.
Also, if you’re interested, long-term, in getting the Ritz-Carlton card (which can only be obtained as an upgrade from another Marriott card), this is a great stepping stone.
Keep in mind that five 50K certs are not worth nearly as much as 250K points for several reasons:
- Fifth Night Free Awards don’t work with certificates. Marriott’s “Stay for 5, Pay for 4” awards only work with points-awards.
- Certificates expire. Points don’t. As long as you have activity in your Marriott account at least once every 24 months, your points will never expire. These free night certificates, though, expire after a year. Make sure you have a plan for using the certs before you apply!
- Points are much more flexible. 50,000 points can be used to book one 50K night, two 25K nights, four 12.5K nights, etc. A 50K cert, meanwhile, can only be used to book a single night costing 50K points or less, or it can be topped off with points to book a single night costing up to 65K. Plus, the certificate has no residual value if you use it for a night that costs less than 50K points.
See also: Marriott Bonvoy Complete Guide.
IHG Premier: 175K
| Card Offer and Details |
|---|
 ⓘ $717 1st Yr Value EstimateClick to learn about first year value estimates 140K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140K points after spending $3K 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 the first 3 months (Expired 7/24/25) Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases Base: 3X (1.83%) Travel: 5X (3.05%) Flights: 5X (3.05%) Hotels: 5X (3.05%) Dine: 5X (3.05%) Gas: 5X (3.05%) Brand: 10X (6.1%) 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 calendar year ✦ Diamond status after $40K in purchases 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) ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit ✦ $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit |
This is a very good card to get and to keep for the annual free night upon renewal, plus the ability to top off free nights 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 add Platinum Elite status, up to $50 in United Airlines credits per year, and 4th Night Free award bookings, and this card is a winner.
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 |
|---|
American Express Platinum Card® As high as 175K points ⓘ $2630 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels + Resorts® credit valued at $300, $300 Digital Entertainment Credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48 Click to learn about first year value estimates |
Chase Sapphire Reserve® Card 125K Points ⓘ $1544 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit (2x per calendar year) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75 Click to learn about first year value estimates |
American Express® Gold Card As high as 100K points ⓘ $1307 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 |
 American Express Platinum Card® Exclusively for Morgan Stanley 80K Points ⓘ $1219 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels + Resorts® credit valued at $300, $300 Digital Entertainment Credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, $120 Uber One credit ($10 per month) valued at $48, 400 Resy credit ($100 per quarter) valued at $85 Click to learn about first year value estimates |
 American Express Platinum Card® for Schwab 80K points ⓘ $1219 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels + Resorts® credit valued at $300, $300 Digital Entertainment Credit ($25 per month) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48, $300 Lululemon credit ($75 per quarter) valued at $150 Click to learn about first year value estimates |
Capital One Venture Rewards Credit Card 75K Miles + $250 Capital One Travel credit ⓘ $1205 1st Yr Value Estimate$250 travel credit valued at $220 Click to learn about first year value estimates |
 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® 80K Miles ⓘ $1103 1st Yr Value EstimateClick to learn about first year value estimates |
Marriott Bonvoy Boundless® Credit Card Up to Four 50K Free Night Certificates + $100 airfare credit ⓘ $1058 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912, Marriott 50K Free Night valued at $304 Click to learn about first year value estimates |
 Marriott Bonvoy® Brilliant® American Express® Card 200K Points ⓘ $1045 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates |
 Aeroplan® Credit Card 85K Points ⓘ $1027 1st Yr Value EstimateClick to learn about first year value estimates |
 Marriott Bonvoy Bevy® American Express® Card 175K Points ⓘ $1001 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Gold American Express Card Up to 90K miles ⓘ $988 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates |
Chase Sapphire Preferred® Card 75K Points ⓘ $985 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates |
 Capital One Venture X Rewards Credit Card 75K Miles ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates |
 Hilton Honors American Express Aspire Card 175K Points + free night certificate ⓘ $913 1st Yr Value Estimate$400 Hilton resort credit ($200 per six months) valued at $280, Hilton Free Night valued at $418, $200 airline credit ($50 per quarter) valued at $160 Click to learn about first year value estimates |
 Atmos™ Rewards Ascent Visa Signature® Card 70K points + Companion Fare ⓘ $911 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates |
 Citi Strata Elite℠ Card 75K Points ⓘ $899 1st Yr Value Estimate$200 Blacklane credit valued at $80, $200 "Splurge" credit valued at $160, $300 hotel credit via Citi Travel valued at $180 Click to learn about first year value estimates |
 Hilton Honors American Express Surpass® Card 130K Points + free night certificate ⓘ $895 1st Yr Value Estimate$200 Hilton credit ($50 per quarter) valued at $150, Hilton Free Night valued at $418 Click to learn about first year value estimates |
 Virgin Red Rewards Mastercard® 75K Points ⓘ $883 1st Yr Value EstimateClick to learn about first year value estimates |
 Barclays JetBlue Plus Mastercard 75K Points ⓘ $858 1st Yr Value EstimateClick to learn about first year value estimates |
 United℠ Explorer Card 70k miles ⓘ $856 1st Yr Value EstimateClick to learn about first year value estimates |
 Atmos™ Rewards Summit Visa Infinite® Card 80K points + 25K Companion Award ⓘ $823 1st Yr Value Estimate25K Global Companion Fare valued at $250 Click to learn about first year value estimates |
 Free Spirit Travel More Mastercard 65K Points + $100 Voucher ⓘ $811 1st Yr Value Estimate$100 companion voucher valued at $50 Click to learn about first year value estimates |
 United Quest℠ Card 80K Miles + 3,000 PQP ⓘ $788 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates |
 Air France KLM Visa Signature® Credit Card 70K miles + 100XP ⓘ $787 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Platinum American Express Card Up to 100K miles ⓘ $758 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates |
 Citi Strata Premier℠ Card 60K Points ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates |
IHG One Rewards Premier Credit Card 140K points ⓘ $717 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Autograph Journey℠ Card 60K points ⓘ $717 1st Yr Value Estimate$50 airline credit valued at $40 Click to learn about first year value estimates |
Delta SkyMiles® Reserve American Express Card Up to 125K miles ⓘ $712 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates |
 Hilton Honors American Express Card 70K Points + free night certificate ⓘ $668 1st Yr Value EstimateHilton Free Night valued at $418 Click to learn about first year value estimates |
 The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® 60K Points ⓘ $645 1st Yr Value EstimateClick to learn about first year value estimates |
 Lufthansa Miles & More® Premier World MasterCard® issued by Barclays 60K Miles ⓘ $637 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase British Airways Visa Signature® Card 75K Avios ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Iberia Visa Signature® Card 75K Avios ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Aer Lingus Visa Signature® Card 75K Avios ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 Bilt Palladium Card 50K points + $300 Bilt Cash ⓘ $630 1st Yr Value Estimate$300 Bilt Cash valued at $150, $200 Bilt Cash valued at $100, $400 Bilt Travel hotel credit ($200 per six months) valued at $100 Click to learn about first year value estimates |
Southwest Rapid Rewards® Premier Credit Card 55K points ⓘ $539 1st Yr Value EstimateClick to learn about first year value estimates |
Southwest Rapid Rewards® Plus Credit Card 50K points ⓘ $533 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Premium Rewards 60K points ⓘ $531 1st Yr Value Estimate$100 airline incidental fee credit valued at $90 Click to learn about first year value estimates |
 Chase World of Hyatt Credit Card Up to 45k points ⓘ $520 1st Yr Value EstimateClick to learn about first year value estimates |
Southwest Rapid Rewards® Priority Credit Card 60K points ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage® Globe™ Mastercard® 60K Miles ⓘ $472 1st Yr Value Estimate$100 "Splurge" credit valued at $50 Click to learn about first year value estimates |
 Barclays JetBlue Premier Mastercard 80K Points + 5 tiles ⓘ $451 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Premium Rewards Elite 75K points ⓘ $450 1st Yr Value Estimate$300 airline incidental fee credit valued at $210, $150 lifestyles conveniences credit valued at $120 Click to learn about first year value estimates |
 IHG One Rewards Traveler Credit Card 80K points ⓘ $450 1st Yr Value EstimateClick to learn about first year value estimates |
 Fairwinds Visa Signature® Credit Card 60K Points ⓘ $450 1st Yr Value EstimateClick to learn about first year value estimates |
 avianca lifemiles American Express® Elite Card Up to 100K miles ⓘ $450 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Choice Privileges Mastercard 60K Points ⓘ $427 1st Yr Value EstimateClick to learn about first year value estimates |
 American Express® Green Card 40K points ⓘ $424 1st Yr Value EstimateClick to learn about first year value estimates |
 HSBC Premier World Mastercard® credit card 50K points ⓘ $416 1st Yr Value EstimateClick to learn about first year value estimates |
 Amtrak Guest Rewards® Preferred Mastercard® 20K points ⓘ $408 1st Yr Value EstimateClick to learn about first year value estimates |
 Disney® Inspire Visa® Card $300 Cash Back + $300 Disney Gift Card ⓘ $400 1st Yr Value Estimate$300 Disney gift card valued at $270 Click to learn about first year value estimates |
 United Club℠ Card 90K Miles ⓘ $385 1st Yr Value EstimateClick to learn about first year value estimates |
 Frontier Airlines World MasterCard® 50K miles + 1 year Discount Den membership ⓘ $380 1st Yr Value EstimateClick to learn about first year value estimates |
 United Gateway℠ Card 30K Miles ⓘ $372 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Freedom Unlimited® $250 cash back* ⓘ $371 1st Yr Value EstimateClick to learn about first year value estimates |
 avianca lifemiles American Express® Card 40K miles ⓘ $367 1st Yr Value EstimateClick to learn about first year value estimates |
 TAP Miles&Go American Express Card 40K miles + 15K status miles ⓘ $354 1st Yr Value EstimateClick to learn about first year value estimates |
 Korean Air SKYPASS Visa issued by US Bank 40K miles ⓘ $353 1st Yr Value EstimateClick to learn about first year value estimates |
 Best Western Rewards® Premium Visa Signature® Card 80K points ⓘ $343 1st Yr Value EstimateClick to learn about first year value estimates |
 Marriott Bonvoy Bountiful™ Card 85K points ⓘ $333 1st Yr Value EstimateClick to learn about first year value estimates |
 Emirates Skywards Rewards World Elite Mastercard 40K Miles + 1 Year Silver status ⓘ $303 1st Yr Value EstimateClick to learn about first year value estimates |
 Amtrak Guest Rewards Mastercard 12K points ⓘ $302 1st Yr Value EstimateClick to learn about first year value estimates |
 Allegiant Allways Rewards Visa® Credit Card 40K miles ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Double Cash® Card 20K points ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Freedom Flex® $200 cash back* ⓘ $292 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Choice Privileges Mastercard Select 60K Points ⓘ $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 |
 Citi Strata℠ Card 20K Points ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates |
 AT&T Points Plus Card $200 statement credit ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates |
 Qatar Airways Privilege Club Signature Card Up to 40K Avios ⓘ $281 1st Yr Value EstimateClick to learn about first year value estimates |
 Carnival® World Mastercard® 30K FunPoints ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates |
 Royal Caribbean® Visa Signature® Credit Card 30K Points ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates |
 Celebrity Cruises® Visa Signature® Credit Card 30K Points ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Custom Cash® Card 20K Points ⓘ $276 1st Yr Value EstimateClick to learn about first year value estimates |
 PenFed Pathfinder Rewards 50K Points ⓘ $275 1st Yr Value EstimateClick to learn about first year value estimates |
 Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card Up to 40K Miles ⓘ $267 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage® Executive World Elite Mastercard® 70K miles ⓘ $266 1st Yr Value EstimateClick to learn about first year value estimates |
 Cathay Pacific Visa Signature card 38K Miles ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Autograph℠ Card 20K points ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates |
 Emirates Skywards Premium World Elite Mastercard 70K Miles + 1 Year Gold status ⓘ $248 1st Yr Value EstimateClick to learn about first year value estimates |
 Korean Air SKYPASS Select Visa issued by US Bank 60K miles ⓘ $240 1st Yr Value EstimateClick to learn about first year value estimates |
 First Tech Odyssey Rewards World Elite Mastercard® $300 cash back ⓘ $237 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Travel Rewards 25K points worth $250 ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates |
 Booking.com Genius Rewards Visa Signature® Credit Card $250 in Booking.com credits ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates |
 Disney® Premier Visa® Card $100 Cash Back + $200 Disney Gift Card ⓘ $221 1st Yr Value Estimate$200 Disney gift card valued at $180 Click to learn about first year value estimates |
 U.S. Bank Shopper Cash Rewards™ Visa Signature® Card $250 cash back ⓘ $218 1st Yr Value EstimateClick to learn about first year value estimates |
 Wyndham Rewards Earner Plus Card Up to 75K Points ⓘ $216 1st Yr Value EstimateClick to learn about first year value estimates |
 Best Western Rewards® Visa Signature® Card 40K points ⓘ $216 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo One Key™ Mastercard $250 OneKeyCash ⓘ $208 1st Yr Value EstimateClick to learn about first year value estimates |
 Marriott Bonvoy Bold® Credit Card 30k Points ⓘ $205 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 |
 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 ⓘ $192 1st Yr Value EstimateClick to learn about first year value estimates |
 Holland America Line Rewards Visa® Card 20K Points ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Princess® Rewards Visa® Card 20K Points ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 BREEZE EASY™ VISA® CREDIT CARD 30K Points + Breezy 1 Status ⓘ $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 |
 Evergreen® by FNBO Credit Card $200 Back ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates |
 Morgan Stanley Blue Cash Preferred® American Express Card $250 back ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates |
 TD First Class Visa Signature® Card 25K points ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates |
 Wyndham Earner Up to 60K Points ⓘ $186 1st Yr Value EstimateClick to learn about first year value estimates |
 Schwab Investor Card® from American Express $200 Cash Back as a statement credit ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Unlimited Cash Rewards $200 cash bonus + 2% cashback for one year ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Customized Cash Rewards $200 Cash Back + 6% back in category of your choice ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 Norwegian Cruise Line® World Mastercard® 20K Points ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 PNC Cash Rewards® Visa® Credit Card $200 Cash Back ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 TD Cash Visa Credit Card $200 Cash Back ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Altitude® Go Visa Signature® Card 20K points ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Altitude® Connect Visa Signature® Card 20K points ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Cash+® $200 Cash Back ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo One Key+™ Mastercard $350 OneKeyCash ⓘ $177 1st Yr Value EstimateClick to learn about first year value estimates |
 USAA Eagle Navigator® Visa Signature® Credit Card 30K Points ⓘ $172 1st Yr Value EstimateClick to learn about first year value estimates |
 BECU Cash Back Visa credit card $200 Cash Back ⓘ $168 1st Yr Value EstimateClick to learn about first year value estimates |
 Blue Cash Everyday® Card from American Express Up to $200 back ⓘ $158 1st Yr Value EstimateClick to learn about first year value estimates |
 Priceline VIP Rewards™ Visa® Card 15K Points ⓘ $140 1st Yr Value EstimateClick to learn about first year value estimates |
 Avelo Airlines World Elite Mastercard 25K Points ⓘ $140 1st Yr Value EstimateClick to learn about first year value estimates |
 First Tech Choice Rewards World Mastercard® $200 cash back ⓘ $137 1st Yr Value EstimateClick to learn about first year value estimates |
 Amazon Prime Visa $150 Amazon Gift Card ⓘ $135 1st Yr Value Estimate$150 Amazon gift card valued at $135 Click to learn about first year value estimates |
 Amazon Visa $150 Amazon Gift Card ⓘ $135 1st Yr Value Estimate$150 Amazon gift card valued at $135 Click to learn about first year value estimates |
 Disney® Visa® Card $50 Cash Back + $100 Disney Gift Card ⓘ $130 1st Yr Value Estimate$100 Disney gift card valued at $90 Click 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 World Elite Mastercard® 15K points ⓘ $119 1st Yr Value EstimateClick to learn about first year value estimates |
 Verizon Visa Card Up to $150 in statement credits ⓘ $119 1st Yr Value EstimateClick to learn about first year value estimates |
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 Korean Air SKYPASS SkyBlue Visa issued by US Bank 10K miles ⓘ $112 1st Yr Value EstimateClick to learn about first year value estimates |
 Free Spirit Travel Mastercard 10K Points ⓘ $111 1st Yr Value EstimateClick to learn about first year value estimates |
 Caesars Rewards® Prestige Visa Signature® Card 20K Reward Credits + 2.5K Tier Credits ⓘ $105 1st Yr Value Estimate$50 slot play valued at $25, $100 dining credit at Caesars Rewards destinations valued at $50 Click 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 |
 PenFed Platinum Rewards 15K Points ⓘ $100 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Blue American Express Card 10K miles ⓘ $96 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 |
 AARP® Essential Rewards Mastercard® $100 Cash Back ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates |
 AARP® Travel Rewards Mastercard® $100 Cash Back ⓘ $90 1st Yr Value EstimateClick 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 |
 Affinity Cash Rewards Visa® Signature Credit Card $150 cash back ⓘ $87 1st Yr Value EstimateClick to learn about first year value estimates |
 Caesars Rewards® Visa Signature® Card 10K Reward Credits + 2.5K Tier Credits ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates |
 LATAM Airlines World Elite Mastercard 40K Miles ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates |
 Rakuten American Express® Card $100 cash back ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates |
 LATAM Airlines Mastercard 15K Miles ⓘ $65 1st Yr Value EstimateClick to learn about first year value estimates |
 Bilt Blue Card $100 Bilt Cash ⓘ $50 1st Yr Value Estimate$100 Bilt Cash valued at $50 Click to learn about first year value estimates |
 Capital One Quicksilver Rewards for Students Credit Card $50 Cash Back ⓘ $48 1st Yr Value EstimateClick to learn about first year value estimates |
 MGM Rewards Iconic World Elite Mastercard® 30K points + $200 Resort Credit ⓘ $46 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click to learn about first year value estimates |
 Instacart Mastercard® $50 Instacart credit ⓘ $45 1st Yr Value Estimate$50 Instacart credit valued at $45 Click to learn about first year value estimates |
 Bilt Obsidian Card $200 Bilt Cash ⓘ $30 1st Yr Value Estimate$200 Bilt Cash valued at $100, $100 Bilt Travel hotel credit ($50 per six months) valued at $25 Click to learn about first year value estimates |
 Sams Club Mastercard $30 Statement Credit ⓘ $29 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Freedom Rise $25 cash back ⓘ $25 1st Yr Value EstimateClick to learn about first year value estimates |
 HSBC Elite Credit Card 60K points ⓘ $21 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 Summit™ World Mastercard® None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Robinhood Gold Card Waitlist only ⓘ $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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 Shop Your Way 5321 Visa None ⓘ $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 |
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 Paypal Cashback Mastercard None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Synchrony Premier World Mastercard No Welcome Offer ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Signature None (call to apply) ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 USAA Cashback Rewards Plus American Express® Credit Card None ⓘ $0 1st Yr Value EstimateClick 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 |
 Santander® Ultimate Cash Back® credit card 3% back for 12 months ⓘ $-20 1st Yr Value EstimateClick to learn about first year value estimates |
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 Capital One SavorOne Cash Rewards Credit Card No welcome Offer ⓘ $-39 1st Yr Value EstimateClick to learn about first year value estimates |
 Qatar Airways Privilege Club Infinite Card Up to 50K Avios + 150 Qpoints ⓘ $-49 1st Yr Value EstimateClick to learn about first year value estimates |
 Blue Cash Preferred® Card from American Express Up to $300 back ⓘ $-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 incidental fee credit valued at $315 Click to learn about first year value estimates |
 UBS Visa Infinite None (call to apply) ⓘ $-200 1st Yr Value Estimate$500 airline incidental fee credit valued at $450 Click to learn about first year value estimates |
 Citizens Summit Reserve™ World Elite Mastercard® None ⓘ $-295 1st Yr Value EstimateClick to learn about first year value estimates |
 Robinhood Platinum Card Waitlist only ⓘ $-695 1st Yr Value EstimateClick to learn about first year value estimates |
My Business Card Picks
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.
The Business American Express Platinum Card® 200K points
| Card Offer and Details |
|---|
![](http://cdn.nextinsure.com/imaging/opt/19ca7b53-f41c-4639-ba3b-c44c7c44ba6f.png?w=300" alt="The Business Platinum Card® from American Express" />) ⓘ $1838 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5, $600 Fine Hotels + Resorts® credit valued at $300 Click to learn about first year value estimates 200K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Elevated Welcome Offer: Earn 200,000 Membership Rewards(R) points after you spend $20,000 in eligible purchases on the Business Platinum Card(R) within the first 3 months of Card Membership. Terms apply. (Rates & Fees)$895 Annual Fee Recent better offer: 250K after $20K spend expired 2/10/25 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: Earn 5X flights & prepaid hotels booked at AmexTravel.com ✦ 2X points per dollar (on up to $2 million of those purchases per year) for each eligible purchase of $5000 or more, US construction/hardware stores, US software & cloud system providers, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Big spend bonus: Spend $250k+ on eligible purchases in a calendar year, get up to $1,200 in statement credits to use in the next calendar year on flights booked on AmexTravel.com, and up to $2,400 in statement credits for use in the next calendar year on monthly fees for American Express One AP®. Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $600 prepaid hotel credit semi-annually (Up to $300 Jan - June and July - Dec) valid on Fine Hotels + Resorts® and The Hotel Collection bookings ✦ Up to $1,150 a year in statement credits for Dell purchases ($150 + $1,000 when spending $5,000 in a calendar year) ✦ Up to $200 in Hilton credits (Up to $50 per quarter) ✦ Up to $120 in wireless services credits per year (Up to $10 per month) ✦ Global Entry statement credit every 4 years ($120) or TSA PreCheck statement credit every 4.5 years ✦ Global Lounge Access benefits: Priority Pass membership (Lounges only) with 2 guests, Centurion Lounge access. Also, Delta Sky Club® access (when flying an eligible Delta flight): 10 visits per year February 1 until January 31 of the next calendar year (after 10 visits have been used, additional visits can be purchased for $50 each or earn unlimited visits after spending $75K/calendar year on the card). Access limited to eligible card members ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status ✦ Leading Hotels of the World Sterling status ✦ Up to $209 CLEAR+ fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline ✦ $250 statement credit when spending $600+ on U.S. purchases with Adobe per calendar year ✦ Enrollment required for select benefits See also: Amex Platinum Guide |
Regardless of whether you want to keep this card long-term, if you can meet the spend requirement, this is an excellent offer! Additionally, the Business American Express Platinum Card® is absolutely loaded with high-end perks and rebates. Many cardholders find it worthwhile to keep, despite its very high annual fee.
See also:
Ink Business Preferred®: 100K points
| Card Offer |
|---|
 ⓘ $1277 1st Yr Value EstimateClick 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 $8K spend in the first 3 months$95 Annual Fee Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome offer and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. |
In addition to its awesome welcome offer, this is a great card to keep thanks to its 3x travel earnings and its ability to transfer Ultimate Rewards points to airline and hotel partners.
See also:
Delta Amex Business Cards: Up to 125K
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/0877ce67-755f-4abc-a129-c9b5e47a3a58.jpg?w=300" alt="Delta SkyMiles® Reserve Business American Express Card" />) ⓘ $620 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click 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 Limited Time Offer: Earn 125,000 bonus miles after spending $15,000 in eligible purchases on your new card in your first 6 months of card membership. (Rates & Fees) (Offer Expires 4/1/2026)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
![](http://cdn.nextinsure.com/imaging/opt/11e5dc36-aa91-4820-9b8e-67a3e145e86e.jpg?w=300" alt="Delta SkyMiles® Platinum Business American Express Card" />) ⓘ $744 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 bonus miles after spending $8,000 in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) (Offer Expires 4/1/2026)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
 ⓘ $993 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 90,000 bonus miles after spending $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) (Offer Expires 4/1/2026)$0 introductory annual fee for the first year, then $150 FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. |
Delta bumps up its welcome offers two or three times per year, and right now is one of those times. If you’re interested, this is a great time to pick one up. The Gold card is best for occasional Delta flyers; the SkyMiles Platinum card is best for those who value elite status and the card’s annual companion ticket; and the Reserve card is best for those who value Delta elite status, Sky Club access, and the card’s annual first-class companion ticket. In general, Delta’s business cards are better than its personal cards because they offer larger hotel rebates through Delta Stays.
See also: Delta SkyMiles Complete Guide and Shortcuts to Delta elite status
United Business Card: 100K miles + 2,000 PQP
| Card Offer and Details |
|---|
 ⓘ $1060 1st Yr Value EstimateClick to learn about first year value estimates 100K Miles + 2,000 PQP ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K miles + 2,000 PQP after $5K spend in first 3 months. Plus, earn an extra 10,000 miles after you add an authorized user to your account in the first 3 months your account is open.$150 Annual Fee Recent better offer: 125K miles after $5K spend in first 3 months (expired 5/8/25) 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 within continental US 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 ✦ 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 ✦ Up to $100 as a statement credit each anniversary year for JSX flights booked directly |
This is a solid offer for this excellent United card. If you’re a regular United flyer, this card is worth adding to your collection. If you have this card plus the no-annual-fee United Gateway℠ Card (or any other consumer United card), you’ll automatically get 5,000 bonus miles each anniversary. Plus, of course, you’ll get all of this card’s standard perks, including: 2 United Club passes per year at anniversary, free first checked bag, Improved economy saver award availability, and more.
Alaska’s Atmos Rewards Business: 75K Miles + Companion Fare
| Card Offer and Details |
|---|
 ⓘ $958 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates 75K points + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K points + Companion Fare ($99 fare + taxes) after $4K 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. Recent better offer: 85K points + Companion Fare ($99 fare + taxes) after $5K spend in the first 3 months. (Expired 2/24/26) FM Mini Review: A winner for the welcome offer and a possible keeper for the companion fare and flight benefits Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere Card Info: Visa Signature Business issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: $121 companion pass every year after $6K spend Noteworthy perks: Free first checked bag for you and up to six other passengers on your reservation on both Hawaiian and Alaska flights ✦ 10% bonus on earned miles with eligible BOA business account ✦ Earn 1 status point /$3 spend |
This is an excellent offer for this recently rebranded Alaska Airlines card.
See also: Alaska launches new Atmos Rewards program…and it’s actually pretty good
Ink Business Cash®: 75K points + great 5X categories
| Card Offer |
|---|
 ⓘ $1029 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 the first 3 months.No Annual Fee Recent better offer: $900 (*awarded as 90,000 points) after $6k spend in the first 3 months. (Expired 11/13/25) FM Mini Review: This one should be in everyone's wallet. Incredible welcome offer for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review |
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 better value using Points Boosts, or you can transfer points to loyalty programs such as Hyatt, United, Air Canada, Air France/KLM, Virgin Atlantic, and more.
See also:
Capital One Spark Cash: $1,000
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash" />) ⓘ $890 1st Yr Value EstimateClick to learn about first year value estimates $1,000 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,000 after $10,000 spend in the first 3 months from account opening$0 introductory annual fee for the first year, then $95 Recent better offer: $1,500 after $15,000 spend in the first 3 months from account opening (Expired 8/11/25) FM Mini Review: A good option for business owners who prefer simple cash back rewards. |
This is a good offer for an excellent 2% back everywhere business card. After spending $10,000 to earn the welcome bonus, you’ll have a total of $1,200 in rewards. Plus, if you have a miles-earning Capital One card, such as the Venture or Venture X, you can move your cash rewards to the miles-earning card ($1,200 = 120,000 Miles) to make the rewards transferable to airline and hotel partners.
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 |
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![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />){kind=small} Capital One Venture X Business Card 150K Miles ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates |
The Business American Express Platinum Card® 200K points ⓘ $1838 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5, $600 Fine Hotels + Resorts® credit valued at $300 Click to learn about first year value estimates |
 Sapphire Reserve for Business℠ Card 150K points ⓘ $1595 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit (2x per calendar year) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates |
 Capital One Spark Cash Plus $2,000+ Cash Back ⓘ $1520 1st Yr Value EstimateClick to learn about first year value estimates |
Ink Business Preferred® Credit Card 100K points ⓘ $1277 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/45fd06a5-f3dc-4293-b002-7e483be16a7b.png?w=300" alt="Marriott Bonvoy Business® American Express® Card" />){kind=small} Marriott Bonvoy Business® American Express® Card Up to 5 x 50K Free Night Certificates ⓘ $1253 1st Yr Value Estimate5 Marriott 50K Free Nights valued at $1520 Click to learn about first year value estimates |
 Chase World of Hyatt Business Credit Card 80K points ⓘ $1111 1st Yr Value EstimateClick to learn about first year value estimates |
 Ink Business Unlimited® Credit Card $750 cash back* ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates |
United℠ Business Card 100K Miles + 2,000 PQP ⓘ $1060 1st Yr Value EstimateClick to learn about first year value estimates |
Ink Business Cash® Credit Card $750 cash back* ⓘ $1029 1st Yr Value EstimateClick to learn about first year value estimates |
 IHG One Rewards Premier Business Credit Card Up to 200K points ⓘ $1007 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Gold Business American Express Card 90K miles ⓘ $993 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click 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 175K Points + free night certificate ⓘ $971 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180, Hilton Free Night valued at $418 Click to learn about first year value estimates |
 Citi® / AAdvantage Business™ World Elite Mastercard® 75K miles ⓘ $965 1st Yr Value EstimateClick to learn about first year value estimates |
Atmos™ Rewards Business Visa Card 75K points + Companion Fare ⓘ $958 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click 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 ⓘ $943 1st Yr Value EstimateClick to learn about first year value estimates |
Capital One Spark Cash $1,000 Cash Back ⓘ $890 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Platinum Business American Express Card 100K miles ⓘ $744 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/e19aa472-38e5-4c90-9980-8ac54ecec6be.png?w=300" alt="Capital One Spark Miles for Business" />){kind=small} Capital One Spark Miles for Business 50K Miles ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Ink Business Premier® $1,000 Cash Back ⓘ $695 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Spark Miles Select Business Credit Card 50K Miles ⓘ $683 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash Select" />){kind=small} Capital One Spark Cash Select $750 Cash Back ⓘ $654 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest® Rapid Rewards® Performance Business Credit Card 80K points ⓘ $651 1st Yr Value EstimateClick to learn about first year value estimates |
 JetBlue Business Card 60K Points ⓘ $645 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Triple Cash Rewards Visa ® Business Card $750 Cash Back ⓘ $624 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Reserve Business American Express Card 125K miles ⓘ $620 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click to learn about first year value estimates |
 U.S. Bank Business Leverage® Visa Signature® Card 75K Points ⓘ $593 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest® Rapid Rewards® Premier Business Credit Card 60K points ⓘ $577 1st Yr Value EstimateClick to learn about first year value estimates |
 United Club℠ Business Card 100K Miles + 2,000 PQP ⓘ $548 1st Yr Value EstimateClick to learn about first year value estimates |
 The Hawaiian Airlines® Business MasterCard® issued by Barclays 50K Miles ⓘ $479 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Business Altitude® Connect Visa Signature® Card 60K points ⓘ $474 1st Yr Value EstimateClick to learn about first year value estimates |
 Korean Air SKYPASS Business Visa issued by US Bank 50K miles ⓘ $465 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Business Altitude Power World Elite Mastercard 75K points ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Signify Business Cash℠ Card $500 Cash Back ⓘ $445 1st Yr Value EstimateClick to learn about first year value estimates |
 Business Advantage Unlimited Cash Rewards credit card $500 statement credit ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates |
 BOA Business Advantage Travel Rewards World Mastercard 50K points ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates |
 Fairwinds Business Cash Visa® Credit Card Up to $2,000 cash back ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates |
 Fairwinds Business Rewards Visa® Credit Card Up to 200K Points ⓘ $420 1st Yr Value EstimateClick to learn about first year value estimates |
 Business Advantage Customized Cash Rewards credit card $500 statement credit ⓘ $395 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />){kind=small} The Blue Business® Plus Credit Card from American Express 15K points + 0% APR for 12 months ⓘ $233 1st Yr Value EstimateClick to learn about first year value estimates |
 TD Business Solutions Visa $250 Cash Back ⓘ $219 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/0619bfbe-2e01-4f0d-ae58-1fedaadaa8a2.jpg?w=300" alt="The American Express Blue Business Cash™ Card" />){kind=small} The American Express Blue Business Cash™ Card $250 back + 0% APR for 12 months ⓘ $217 1st Yr Value EstimateClick to learn about first year value estimates |
 Brex Cash $250 Amazon gift card ⓘ $208 1st Yr Value Estimate$250 Amazon gift card valued at $225 Click to learn about first year value estimates |
 BOA Platinum Plus Business Mastercard $300 Cash Back ⓘ $207 1st Yr Value EstimateClick to learn about first year value estimates |
 Evergreen® by FNBO Business Edition® Credit Card $200 Cash Back ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates |
 Wyndham Rewards Earner Business Card 45K Points ⓘ $148 1st Yr Value EstimateClick to learn about first year value estimates |
 Amazon Business Prime American Express Card $125 Amazon gift card ⓘ $113 1st Yr Value Estimate$125 Amazon gift card valued at $112.5 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/57495ed9-6f4e-4919-9a83-ae2ec251f236.png?w=300" alt="Business Green Rewards Card from American Express" />){kind=small} Business Green Rewards Card from American Express 15K points ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates |
 Sams Club Business Mastercard $30 Statement Credit ⓘ $29 1st Yr Value EstimateClick to learn about first year value estimates |
 Costco Anywhere Business Visa No Welcome Offer ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Signature Business None (call to apply) ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 The Plum Card® from American Express Up to $600 ⓘ $-130 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) ⓘ $-200 1st Yr Value Estimate$500 airline incidental fee credit valued at $450 Click to learn about first year value estimates |
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Greg: I am trying to see how you get to a first year value of $1205 for the Capital One Venture
So far I have:
FIRST YEAR VALUE Capital One Venture
Welcome Bonus Cash 750.00
SELECT PERKS
Travel Credit 220.00
Other Select Perks ?
Cost of Spend -44.00
Annual Fee -95.00
TOTAL $831.00
The other select perks appear to be valued at $374. What are they, how much is each one, and what is the deflator you applied to each?
Thanks!
We value Capital One miles at 1.45 cents each. There are no other perks valued in the equation.
Thanks, that makes everything work out!
Citi Strata Elite. Also appears superior to C1V, although the benefit Venn diagram does have an intersection as the base earn is 1.5x.
$600 hotel credit ($300 PCY);
$400 Splurge credits ($200 PVY)
3x on restaurants;
6x on restaurants at the times you eat;
Citi Travel 12x hotels+cars;
Citi Travel 6x air fares;
++
Fee extra $500;
As with your comment immediately below, these are Greg’s estimates. You might come up with a different number.
Will calcualte these below.
Please explain the math. whereby the Capital One Venture card is above the Bilt Palladium. Assuming 25k spend. The latter has 50k SUB, plus 75k spend + broader range of partners. All for $400 more in AF.
Thus, even ignoring rent and mortgage, and Priority Pass, it appears to be a better net rate of return.
Thanks.
If you click on the first year value link, it shows the value math that you request. The values are Greg’s estimates. Not what you might garner.
Thanks.
Feel free to comment on my C1V message below.
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?
I would suggest calling the reconsideration line, if it hasn’t been too long. Quite often you can get the decision reversed or hopefully understand what the problem is. They should have sent you a snail-mail letter that might have some hints as to the reason.
Now that I see the date on your message, it is a wee too late to call reconsideration. But that’s the proper path for failed card requests.
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!