Below you’ll find my picks and a dash of analysis for the top consumer card offers and the top 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 Consumer Card Offers
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 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] |
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
Amex Gold: 90K
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/baae32df-1232-4695-9568-ff3584dc31bf.png?w=300" alt="American Express® Gold Card" />) ⓘ $1152 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
Wyndham: 90K
| Card Offer |
|---|
 ⓘ $792 1st Yr Value EstimateClick to learn about first year value estimates 90K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 90K points after $2K spend in first 90 days$75 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/11/24: 100K after $2K in spend |
This is an excellent offer, especially when considering that it only requires $2,000 in spend to earn the full 90,000 point bonus. Like other Wyndham Earner cards, this one unlocks a 10% discount on all award bookings. Additionally, it gives you Platinum elite stautus and 7,500 points every year when you renew.
Capital One Venture: 75K
| Card Offer and Details |
|---|
 ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles ⓘ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$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: 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: 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.
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 |
|---|
 The Platinum Card® from American Express Exclusively for Morgan Stanley 150K points ⓘ $1871 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $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 Click to learn about first year value estimates |
 The Platinum Card® from American Express for Schwab 125K points ⓘ $1484 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $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 Click to learn about first year value estimates |
American Express® Gold Card 90K points ⓘ $1152 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 |
 IHG One Rewards Premier Credit Card 5 x 60K Free Night Certificates ⓘ $1139 1st Yr Value Estimate5 60K IHG Free Nights valued at $1300 Click to learn about first year value estimates |
 Alaska Airlines Visa Signature 75K miles + Companion Fare ⓘ $1132 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates |
 Marriott Bonvoy Boundless® Credit Card 3 x 50K Free Night Certificates + 50K points ⓘ $1102 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/09d4a050-a29b-4322-9c43-9e2b7aad2ec3.png?w=300" alt="The Platinum Card® from American Express" />){kind=small} The Platinum Card® from American Express 100K points + 10x ⓘ $1096 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $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 Click to learn about first year value estimates |
 Hilton Honors American Express Aspire Card 150K Points + free night certificate ⓘ $1000 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 |
 The New United℠ Explorer Card Limited Time Offer: 80k miles ⓘ $986 1st Yr Value EstimateClick to learn about first year value estimates |
Capital One Venture Rewards Credit Card 75K Miles ⓘ $985 1st Yr Value EstimateClick 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 |
 The Aeroplan® Card 75K Points ⓘ $887 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 |
 avianca lifemiles American Express® Elite Card Up to 100K miles ⓘ $871 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase British Airways Visa Signature® Card 100K Avios ⓘ $855 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Iberia Visa Signature® Card 100K Avios ⓘ $855 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Aer Lingus Visa Signature® Card 100K Avios ⓘ $855 1st Yr Value EstimateClick to learn about first year value estimates |
 Barclays JetBlue Plus Mastercard 70K Miles ⓘ $793 1st Yr Value EstimateClick to learn about first year value estimates |
Wyndham Rewards Earner Plus Card 90K Points ⓘ $792 1st Yr Value EstimateClick to learn about first year value estimates |
 Air France KLM World Elite Mastercard 70K miles + 100XP ⓘ $787 1st Yr Value EstimateClick to learn about first year value estimates |
 The Hawaiian Airlines® World Elite MasterCard® issued by Barclays 60K Miles ⓘ $769 1st Yr Value EstimateClick to learn about first year value estimates |
 The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® 60K Miles ⓘ $769 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Sapphire Preferred® Card 60K Points ⓘ $760 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates |
 Southwest Rapid Rewards® Plus Credit Card 65K points ⓘ $758 1st Yr Value EstimateClick to learn about first year value estimates |
 Free Spirit Travel More Mastercard 60K Points + $100 Voucher ⓘ $751 1st Yr Value Estimate$100 companion voucher valued at $50 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 |
 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 |
 IHG One Rewards Traveler Credit Card 120K Points ⓘ $707 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/78194071-052d-428a-ac7c-204876e29293.png?w=300" alt="Marriott Bonvoy Bevy® American Express® Card" />){kind=small} Marriott Bonvoy Bevy® American Express® Card Up to 135K Points ⓘ $665 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United Quest℠ Card Limited Time Offer: 70K Miles + 500 PQPs ⓘ $658 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates |
 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® 50K Miles ⓘ $658 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage® Executive World Elite Mastercard® 100K miles ⓘ $635 1st Yr Value EstimateClick to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/9f8c8210-3d62-4663-8cd9-52f0feb9f6d4.png?w=300" alt="Marriott Bonvoy Brilliant® American Express® Card" />){kind=small} Marriott Bonvoy® Brilliant® American Express® Card Up to 150K Points ⓘ $634 1st Yr Value Estimate$300 dining credit ($25 per month) valued at $270 Click to learn about first year value estimates |
 Qatar Airways Privilege Club Signature Card Up to 70K Avios ⓘ $601 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Gold American Express Card 50K miles ⓘ $586 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />){kind=small} Hilton Honors American Express Surpass® Card 130K Points ⓘ $574 1st Yr Value Estimate$200 Hilton credit ($50 per quarter) valued at $150 Click to learn about first year value estimates |
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 Chase Sapphire Reserve® Card 60K Points ⓘ $555 1st Yr Value Estimate$300 travel credit valued at $285 Click to learn about first year value estimates |
 Southwest Rapid Rewards® Premier 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 |
 Lufthansa Miles & More® Premier World MasterCard® issued by Barclays 50K Miles ⓘ $507 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest Rapid Rewards® Priority Credit Card 50K points ⓘ $483 1st Yr Value EstimateClick to learn about first year value estimates |
 Qatar Airways Privilege Club Infinite Card Up to 100K Avios + 150 Qpoints ⓘ $481 1st Yr Value EstimateClick to learn about first year value estimates |
 Frontier Airlines World MasterCard® Up to 60K miles ⓘ $459 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 |
 The New United Club℠ Card Limited Time Offer: 95K Miles ⓘ $450 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 |
 Virgin Red Rewards Mastercard® 40K Points ⓘ $410 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 |
 Wells Fargo One Key+™ Mastercard $600 OneKeyCash ⓘ $402 1st Yr Value EstimateClick to learn about first year value estimates |
 Mesa Homeowners Card Limited-Time Offer: 50K Points ⓘ $395 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Choice Privileges Mastercard 60K Points ⓘ $378 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase World of Hyatt Credit Card Up to 45K points ⓘ $373 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United Gateway(SM) Card 30K Miles ⓘ $372 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 |
![](http://cdn.nextinsure.com/imaging/opt/eb233dca-b4f3-4d23-813c-614789753d27.jpg?w=300" alt="Delta SkyMiles® Platinum American Express Card" />){kind=small} Delta SkyMiles® Platinum American Express Card 60K miles ⓘ $357 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates |
 TAP MIles&Go American Express Card 40K 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 |
![](http://cdn.nextinsure.com/imaging/opt/e671653b-c490-4729-9c84-06cd764bdbe0.png?w=300" alt="Hilton Honors American Express Card" />){kind=small} Hilton Honors American Express Card 80K Points ⓘ $351 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 |
 Wells Fargo One Key™ Mastercard $400 OneKeyCash ⓘ $343 1st Yr Value EstimateClick to learn about first year value estimates |
 First Tech Choice Rewards World Mastercard® $400 cash back ⓘ $337 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 |
 Disney Premier Visa Card $400 Cash Back ⓘ $330 1st Yr Value EstimateClick to learn about first year value estimates |
 Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card 40K Miles ⓘ $324 1st Yr Value EstimateClick to learn about first year value estimates |
 Barclays JetBlue Premier Mastercard 70K Miles + 5 tiles ⓘ $321 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 Platinum Mastercard 12K points ⓘ $302 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 Unlimited® $200 cash back* ⓘ $296 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 |
 Capital One VentureOne Rewards Credit Card 20K miles ⓘ $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 |
 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 |
 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 |
 Carnival® World Mastercard® 25K FunPoints ⓘ $240 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 |
 Bank of America Travel Rewards 25K points worth $250 ⓘ $234 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Choice Privileges Mastercard Select 60K Points ⓘ $234 1st Yr Value EstimateClick 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 |
 Best Western Rewards® Visa Signature® Card 40K points ⓘ $216 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 |
 Citi Shop Your Way Mastercard $225 Cash Back ⓘ $194 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 |
 Priceline VIP Rewards™ Visa® Card $150 + 5K Points ⓘ $190 1st Yr Value Estimate$150 statement credit after first purchase valued at $150 Click to learn about first year value estimates |
 BREEZE EASY™ VISA® CREDIT CARD 30K Points ⓘ $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 ⓘ $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 |
![](http://cdn.nextinsure.com/imaging/opt/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg?w=300" alt="Blue Cash Preferred® Card from American Express" />){kind=small} Blue Cash Preferred® Card from American Express $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 |
 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 |
 AARP® Travel Rewards Mastercard® $200 Cash Back ⓘ $179 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 |
 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 |
 Allegiant World Mastercard® Credit Card 25K miles ⓘ $170 1st Yr Value EstimateClick to learn about first year value estimates |
 Delta SkyMiles® Reserve American Express Card 70K miles ⓘ $158 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/38f795f6-02b0-48ac-8a40-3d1c6dcbe774.png?w=300" alt="Blue Cash Everyday® Card from American Express" />){kind=small} Blue Cash Everyday® Card from American Express $200 back ⓘ $158 1st Yr Value EstimateClick to learn about first year value estimates |
 Sun Country Airlines® Visa Signature® Card 25K points ⓘ $150 1st Yr Value EstimateClick to learn about first year value estimates |
 MGM Rewards Iconic World Elite Mastercard® 40K points + 10K Tier Credits ⓘ $146 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click 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 |
 HSBC Premier World Elite Mastercard® credit card 60K points ⓘ $121 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 ⓘ $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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 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 ⓘ $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 |
 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 |
 AARP® Essential 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 |
 MGM Rewards World Elite Mastercard® 10K points ⓘ $79 1st Yr Value EstimateClick to learn about first year value estimates |
 BECU Cash Back Visa credit card $100 Cash Back ⓘ $68 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 |
 Rocket Mortgage Visa $200 Statement Credit ⓘ $50 1st Yr Value EstimateClick to learn about first year value estimates |
 Emirates Skywards Premium World Elite Mastercard 50K Miles + 1 Year Gold status ⓘ $17 1st Yr Value EstimateClick to learn about first year value estimates |
 PenFed Platinum Rewards 15K Points ⓘ $5 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 |
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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 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 |
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 Schwab Investor Card® from American Express $300 Cash Back as a statement credit ⓘ $-16 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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 The Owner's Rewards Card by M1 No Welcome Bonus ⓘ $-64 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 |
 U.S. Bank FlexPerks® Gold American Express® card None ⓘ $-127 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Infinite None (call to apply) ⓘ $-270 1st Yr Value Estimate$250 airline incidental fee credit valued at $225 Click to learn about first year value estimates |
Top 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.
Ink Business Unlimited: 75K + More from Rakuten!
| Card Offer |
|---|
 ⓘ $1074 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 |
It’s now possible to apply for this card through the Rakuten portal in order to earn cash back or Amex Membership Rewards points in addition to the Chase welcome bonus shown above. See this post for details.
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:
Capital One Venture X Business Card: 150K + Optional 200K
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />) ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates Up to 350K 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 and an additional 200,000 miles once you spend $200,000 in the first 6 months. (Rates & Fees)$395 Annual Fee Alternate Offer: There's a 150K + 250K (i.e. 400K total) offer available via a Capital One Private Banker 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 |
|---|
 ⓘ $1029 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:
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 Up to 350K Miles ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />){kind=small} The Business Platinum Card® from American Express Limited Time Offer: 150K points + $500 statement credit ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only 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, $500 statement credit when purchasing $2,500 of airfare valued at $150 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 90K points ⓘ $1127 1st Yr Value EstimateClick to learn about first year value estimates |
 Alaska Airlines Visa Business Card 75K miles + Companion Fare ⓘ $1116 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click 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 |
Ink Business Cash® Credit Card Up to $750 cash back* ⓘ $1029 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 ⓘ $943 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi® / AAdvantage Business™ World Elite Mastercard® 65K miles ⓘ $842 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest® Rapid Rewards® Performance Business Credit Card 80K points ⓘ $751 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United℠ Business Card 75K Miles + 2,000 PQP ⓘ $735 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase World of Hyatt Business Credit Card 60K points + Explorist Status ⓘ $723 1st Yr Value EstimateClick to learn about first year value estimates |
 IHG One Rewards Premier Business Credit Card 140K points ⓘ $719 1st Yr Value EstimateClick 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 |
![](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 3 x 50K Free Night Certificates ⓘ $692 1st Yr Value Estimate3 Marriott 50K Free Nights valued at $912 Click to learn about first year value estimates |
 Delta SkyMiles® Gold Business American Express Card 60K miles ⓘ $687 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 ⓘ $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" />){kind=small} Capital One Spark Cash $750 Cash Back ⓘ $668 1st Yr Value EstimateClick to learn about first year value estimates |
 Southwest® Rapid Rewards® Premier Business Credit Card 60K points ⓘ $627 1st Yr Value EstimateClick 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 |
 The Hawaiian Airlines® Business MasterCard® issued by Barclays 50k Miles ⓘ $587 1st Yr Value EstimateClick to learn about first year value estimates |
 TD Business Solutions Visa Up to $750 Cash Back ⓘ $540 1st Yr Value EstimateClick to learn about first year value estimates |
 JetBlue Business Card 50K Miles ⓘ $515 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 130K Points ⓘ $509 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180 Click 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 |
![](http://cdn.nextinsure.com/imaging/opt/11e5dc36-aa91-4820-9b8e-67a3e145e86e.jpg?w=300" alt="Delta SkyMiles® Platinum Business American Express Card" />){kind=small} Delta SkyMiles® Platinum Business American Express Card 70K miles ⓘ $438 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/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash Select" />){kind=small} Capital One Spark Cash Select $500 Cash Back ⓘ $428 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 |
 Wyndham Rewards Earner Business Card Up to 75K Points ⓘ $412 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Business Triple Cash Rewards World Elite™ Visa $500 Cash Back ⓘ $406 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United Club℠ Business Card 80K Miles ⓘ $288 1st Yr Value EstimateClick to learn about first year value estimates |
 BOA Business Advantage Travel Rewards World Mastercard 30K points ⓘ $252 1st Yr Value EstimateClick to learn about first year value estimates |
 Business Advantage Customized Cash Rewards credit card $300 statement credit ⓘ $237 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 |
![](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 |
 BOA Platinum Plus Business Mastercard $300 Cash Back ⓘ $207 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 ⓘ $200 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click 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 |
![](http://cdn.nextinsure.com/imaging/opt/eabcffdf-7de5-41c3-bb9d-7d16912f3540.jpg?w=300" alt="Amazon Business Prime American Express Card" />){kind=small} 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 |
![](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 |
 Costco Anywhere Business Visa No Welcome Bonus ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 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) ⓘ $-235 1st Yr Value Estimate$350 airline incidental fee credit valued at $315 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.