Greg’s Top Picks: Amex 150K, Citi 80K, Capital One 75K, Chase 70K, more…

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Even though travel bookings have roared back, we continue to see incredible credit card welcome bonuses.  Just a few years ago, 100K Amex Platinum offers were rare and exciting.  Now, 100K is the minimum you’ll find.  I’ve listed below a 150K Platinum offer, 160K Business Platinum, 130K Business Gold, and 90K Gold.  If Amex points aren’t your thing or you’re just looking for more, you’ll also find an 80K Citi Premier offer, 70K Chase Sapphire Reserve, 75K Capital One Venture and Venture X, and more…

Note that there are plenty of very good offers that aren’t in this post as well!  You can find a complete list here: Best Credit Card Offers page.

Top Credit Card Offers

Background

The impetus for this post was when Marriott first offered this great welcome bonus for the Bonvoy Boundless card: 5 free nights, worth up to 50K points each.  At the time, it was arguably the best hotel credit card offer we had ever seen. But we didn’t recommend it to most people.  It was a great offer for those who knew they would be traveling to Marriott hotels within the next year (during the height of the Covid pandemic!), but terrible for everyone else.

Our Best Credit Card Offers page always shows the best offers sorted by estimated first year value.  This is a great non-biased way to compare credit card offers, but it misses nuances as discussed above.  With this monthly series, I list my favorite current credit card offers, but with a dash of analysis.  With each offer, I point out who should care about it and who shouldn’t.  I also include a “Wait for better” section with the cards that I think may soon have better offers.

Blockbuster Offers

Amex Gold Card: 90K

Card Offer and Details
American Express® Gold Card
90K points
90K after $4K spend in first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

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.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Grocery

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Goldbelly, Wine.com, Milk Bar, Shake Shack, Seamless/Grubhub, Cheesecake Factory) ⚬ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc ⚬ Enrollment required for select benefits.

The Amex Gold Card has been a favorite of ours since it debuted with its 4X dining and grocery categories (see above for details).  Now, with this best ever offer, it’s time to sign up!

Who should get it: Anyone who values the card’s bonus categories.  As long as you haven’t had this card or the old Premier Rewards Gold card in the past 7 years, you should qualify for this one.

Who shouldn’t get it: The Amex Gold card will add to your 5/24 count, so if you’re trying to stay under 5/24 you won’t want this one.  That said, in my opinion, this offer is good enough to reconsider your 5/24 plans.

Timing your application:  We don’t know how long this will last.

See also:

Marriott Bonvoy: Five 50K Free Nights

Card Offer and Details
Marriott Bonvoy Boundless® Credit Card
5 Free Nights up to 50K points each
5 Free Night Certificates each valid for a night up to 50K points after $5K in purchases in the first 3 months

$95 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

See Also: Are you eligible for a new Marriott card?

Recent better offer: This matches the best offer we've ever seen on this card.


Card Type: Visa Signature

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 6X Marriott Bonvoy ⚬ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ⚬ 2X everywhere else

Big spend bonus: Earn Gold status when you spend $35K each 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

See also: Marriott Bonvoy Complete Guide

This is an excellent offer for this card.  If you’re interested in staying high tier, but not necessarily top of the line luxury, Marriott hotels, you should be able to do very well with these certificates.  Keep in mind, though, that five 50K certs are not worth 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.
  • 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.

Who should get it: Anyone under 5/24 who does not yet have this card may find it worth getting as long as they plan to stay at a mid to high tier Marriott for 5 nights or more over the next year.  Note that Marriott enforces strict rules about whether or not you can qualify for a new Marriott card if you currently or previously had one.  See this post for details: Are you eligible for a new Marriott card?

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: If you’re not interested in Marriott stays, or you’re only interested in top-tier Marriotts, or if you aren’t sure you’ll use all 5 certs within a year then skip this one.

Timing your application: I don’t know how long this offer will last. If interested, get it soon.

Amex Platinum: 150K

Card Offer
The Platinum Card® from American Express
150K Points
150K after $6K spend in 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Resy Offer: 125K after $6K spend + 10x dining for 6 months on up to $25K spend

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

This is a great offer!

Who should get it: Pretty much anyone who can meet the spend requirements should consider this offer.  Even if you only value Membership Rewards points at a penny each, 150K is then comparable to $1,500.

Who shouldn’t get it: The Amex Platinum card will add to your 5/24 count.  The value of the welcome bonus far exceeds the card’s $695 annual fee, but if you can’t afford to spend that much in return for this huge bonus, then you should skip it.

Timing your application: I don’t have any idea how long this offer will last.

See also:

Amex Business Gold: 130K

This offer for 130,000 Amex Membership Rewards points after $10K spend requires a bit of browser magic and luck.  Try a “fresh” browser (see image above — anecdotally, Firefox seems to work best) and then click to any referral link to look for the 130K offer (yes you can ask a friend or family member to refer you so that they can earn bonus points too). Full details can be found here.

Amex Business Platinum: 160K, get it again.

Forget the standard 120K bonus for this card.  If you are a current Amex business-card holder, it’s worth checking this link to see if you are eligible for the 160K offer shown above.  The amazing thing about this offer, is that many find that they are qualified even if they’ve had the Business Platinum card before, and even if they currently have one.  Yep, you can add a second (or third, or fourth…) Business Platinum card to your wallet and still earn the huge welcome bonus.

Who should get it: This is an excellent offer for the Business Platinum card but it still requires $15K spend (including at least $1K on the employee card). Sign up for this offer only if you’re sure you will meet that spend requirement.

Who shouldn’t get it: If $15K spend is too steep for you, skip this offer.

Timing your application: If you are eligible for the 160K offer and can meet the spend requirement, it’s worth jumping on this one while you can.

See also:

Citi Premier: 80K

Card Offer and Details
Citi Premier Card
80K points
80K points after $4K spend in the first 3 months

$95 Annual Fee

Recent better offer: None. This matches the best offer we've ever seen.

FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Sadly, this travel card doesn't provide any travel protections.


Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Grocery

Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies

Noteworthy perks: Transfer points to airline partners ⚬ $100 Annual Hotel Savings Benefit

See also: Citi ThankYou Rewards Complete Guide

The Citi Premier card offers excellent earnings on spend (3X grocery; 3X dining; 3X gas stations; 3X flights, hotels, travel agencies) and unlocks the ability to transfer ThankYou points to airline and hotel programs.

Who should get it: The Premier card is a good choice for those who value points transferrable to airline programs.  If you also have the Citi Double Cash and Rewards Plus combination, then the Premier card is a fantastic add-on.  See: Citi’s awesome trio –Double Cash, Premier, Rewards+.

Who shouldn’t get it: If you prefer easier to use rewards and/or hotel rewards, then you may want to skip this one.

Timing your application: This won’t last long. Sign up soon.

See also:

Sapphire Reserve 70K

Card Offer

The Sapphire Reserve is an excellent travel card which offers 3x for all travel purchases, best in class travel protections and the ability to redeem points for 1.5 cents per point value.  To get the 70K offer for this card, you must already have an online account with Chase.  Sign into your Chase account first, then click the alternate offer link shown above or click here.

Excellent Transferable Points Offers

Capital One Venture Rewards: 75K

Card Offer and Details
Capital One Venture Rewards Credit Card
75K Miles
Earn 75,000 bonus miles after $4K spend in 3 months

$95 Annual Fee

Recent better offer: 100K: 50K after $3K in the first 3 months + 20K after $20K in the first 6 months [Expired 7/19/21]

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.


Card Type: Visa Signature

Base
Travel
Other

Earning rate: 2X everywhere ⚬ 5X on hotels and rental cars booked via Capital One Travel

Noteworthy perks: Receive up to $100 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 ⚬ 2 complimentary visits per year to Capital One or Plaza Premium Lounges

This is arguably the best offer we’ve seen in recent years for this card. Yes, there was a 100K offer not too long ago, but that required $20K spend.  This offer gets you 3/4th as many points with only $4K spend.  You can use the bonus directly to offset travel purchases at a penny per “mile” or you can get even better value by transferring to airline and hotel partners when you find outsized value awards.  For those looking for a single travel card with a low annual fee, this is an excellent choice.  If you’re willing to spend $395 per year, though, the Venture X card is an even better choice.

Who shouldn’t get it: This card will add to your 5/24 count, so if you’re trying to get or stay under 5/24 you won’t want to get this one just yet.  Also, if you’d prefer to have the Venture X card, I’d go for that one instead.

Timing your application: It’s unclear how long this offer will last, so if you’re interested apply soon.

See also: Capital One “Miles” Complete Guide.

Capital One Venture X: 75K

Card Offer and Details
Capital One Venture X Rewards Credit Card
75K Miles
Earn 75,000 bonus miles after $4K spend in 3 months

$395 Annual Fee

Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year

FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, Plaza Premium lounges, and Hertz President's Circle status. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points.


Card Type: Visa Infinite

Base
Travel
Other

Earning rate: 10X on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else.

Noteworthy perks: Up to $300 in statement credits annually for bookings made through Capital One Travel ⚬ 10,000 bonus miles each year starting at first anniversary ⚬ Receive up to $100 application fee credit for Global Entry or TSA PreCheck® ⚬ Priority Pass Select lounge access ⚬ Plaza Premium lounge access ⚬ Cell phone insurance ⚬ Trip delay / cancellation insurance ⚬ Primary CDW coverage Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees

This is an excellent welcome bonus for an excellent card.  You can use the bonus directly to offset travel purchases at a penny per “mile” or you can get even better value by transferring to airline and hotel partners when you find outsized value awards.  In my opinion, this is one of the best cards on the market to get and to keep.  The $395 annual fee is justified by its annual $300 travel credits and 10K bonus “miles” each anniversary.  Then, the rest of the card’s features are gravy: earn 2x transferable points everywhere, free authorized users, Priority Pass membership with free guests for you and your authorized users, cell phone insurance, access to Capital One lounges, etc.

Who shouldn’t get it: This card will add to your 5/24 count, so if you’re trying to get or stay under 5/24 you won’t want to get this one just yet.

Timing your application: My bet is that this offer will stick around for a long time, so sign up when the time is right for you.

See also:

Amex Platinum for Schwab or Morgan Stanley: 100K

Card Offer
The Platinum Card® from American Express Exclusively for Morgan Stanley
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

The offers for these co-branded Platinum cards aren’t nearly as good as for the vanilla Platinum card, but they’re still very good offers.  Plus, if you’ve had the vanilla Platinum card before, you can still get the bonus for either or both of these variations.  The Morgan Stanley variation has a huge advantage too: it offers a free Platinum authorized user and it’s possible to get the full annual fee back every year by jumping through a few hoops.  See: Morgan Stanley Platinum Card Fee Free (how to earn the $695 Annual Engagement Bonus).

Who should get it: Anyone who hasn’t had this particular Platinum variation before and who has an account (or is willing to open one) with Schwab or Morgan Stanley should consider this, BUT we’ve recently seen better offers for both cards (100K + 10x categories) and so you may want to wait to see if those better offers return.

Who shouldn’t get it: These cards will add to your 5/24 count (but they’re worth it anyway).  The value of the welcome bonus exceeds the card’s $695 annual fee, but if you can’t afford to spend that much in return for this huge bonus, then you should skip it.

Timing your application: I don’t know how long these offers will last, but I suspect the current offers are the new standard offers for these cards so I think you  have plenty of time.

See also:

Chase Sapphire Preferred: 60K

Card Offer and Details
Chase Sapphire Preferred® Card
60K points
60K after $4K spend in 3 months

$95 Annual Fee

A similar offer with the first year annual fee waived may be found in-branch. YMMV.

Recent better offer: 100K after $4K in purchases in the first 3 months

FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025)

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ 10% annual point bonus ⚬ $50 annual credit for hotel stays booked through Chase (Those who opened card before 8/15/21 will have to wait until next account anniversary for this perk)

See also: Sapphire Preferred 100K Q&A: Everything you need to know

While we’ve seen better offers for this card (80K and even 100K), this remains an excellent choice for those starting out with miles & points.

Application Tips: If you apply and are denied, you still have a good chance.  Call the reconsideration line (1-888-270-2127) to ask for the decision to be reconsidered.  If you currently hold other consumer Chase cards, tell the agent that you are not looking for more credit and you are happy to move credit from another card to open this one.  If they tell you incorrectly that you have opened 5 or more cards in the past 24 months, check whether you are an authorized user on some cards that have been opened in that time frame.  If so, tell the agent that you are an authorized user and you are not responsible for those credit lines.

Who should get it: If you’re new to miles & points and not interested in waiting for a better offer, this is a decent choice.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: If you don’t think you can complete the offer’s $4,000 minimum spend requirement, then you shouldn’t sign up.

Timing your application: If you can wait a few months in hopes for a better offer, then do so.

See also:

Excellent Airline Card Offers

Delta Amex Cards: 75K to 125K

Card Offer
Delta SkyMiles® Reserve Credit Card from American Express
100K Miles
100K Miles after $5K spend in 3 months. Terms apply. (Rates & Fees)
(Offer Expires 8/24/2022)

$550 Annual Fee

Info 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: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]

Delta is offering great bonuses right now on their consumer cards.  If you’re interested in picking up a Delta card, this is an excellent time to do so.  The only reason that these offers weren’t listed under Blockbuster Offers is that similar offers seem to appear every few months.

125K Offer: The best of the current offers is targeted.  Try this Delta Reserve link with different clean browsers to try to find the offer for 125K miles + 10K MQMs after $5K spend.

Who should get it: If you have any interest in flying Delta, this is a great time to pick up some easy miles and cash back.

Who shouldn’t get it: Don’t bother if you don’t expect to fly Delta or one of Delta’s partners.

Timing your application: It’s unclear when these offers will expire.

See also: Delta SkyMiles Complete Guide

United Consumer Cards: Up to 100K miles

Card Offer and Details
United Club℠ Infinite Card

FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and waived close-in award fees.


Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: ⚬ 4X United ⚬ 2X dining & travel

Big spend bonus: Earn up to 4,000 PQPs per year: 500 PQPs per $12K spend (up to $96K spend)

Noteworthy perks: ⚬ United Club membership ⚬ Unlocks complimentary elite upgrades on award tickets, including companions on the same reservation ⚬ 10% discount on saver level economy awards within the continental US and Canada ⚬ 10,000 miles for signing up for CLEAR by June 30, 2022 using your card ⚬ IHG Platinum Status ⚬ $75 statement credit for IHG properties charged to the card between 1/1 and 12/1/22 ⚬ Priority check-in, security screening, baggage handling, and boarding ⚬ Free 1st and 2nd checked bags ⚬ Hertz President's Circle Elite Status ⚬ Primary auto rental collision damage waiver

Chase United Explorer Card
Up to 70K Miles
Up to 70K miles: 60K after $3K spend in 3 months + 10K more after $6K total purchases in the first 6 months.

No Annual Fee First Year, Then $95

FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some.


Card Type: Visa Signature

Base
Travel
Dine
Brand

Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays

Noteworthy perks: ⚬ Improved economy saver award availability ⚬ Free first checked bag for primary cardholder and one travel companion when you pay with the card ⚬ Unlocks complimentary elite upgrades on award tickets ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year ⚬ Primary auto rental collision damage waiver ⚬ Up to $100 Global Entry or TSA Pre-check credit ⚬ 25% back on United in-flight purchases

Chase United Quest Card

Card Type: Visa Signature

Base
Travel
Dine
Brand
Other

Earning rate: 3X United ⚬ 2X restaurants ⚬ 2X on all other travel ⚬ 2X select streaming

Noteworthy perks: Up to $125 in statement credits for United purchases each cardmember year ⚬ First and second checked bag free for cardholder and one companion when you purchase your tickets with the card and include your Mileage Plus number ⚬ Two 5K award flight rebates per cardmember year (5K miles back when you book first 2 award tickets each anniversary year) ⚬ $100 Global Entry or TSA PreCheck reimbursement ⚬ 25% back on United inflight purchases

If you’re interested in picking up United miles, this is a good time since the cards listed above currently have better than usual offers.

Who should get it: Anyone under 5/24 who does not yet have a United card may find one worth getting.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: Anyone who has no use for United miles or is trying to get or stay under 5/24.

Timing your application: My guess is that the current offers are the new standard offers for these products. If true, then there’s no reason to hurry.

See also: United MileagePlus Complete Guide

British Airways, Iberia, Aer Lingus: 100K

Card Offer and Details
Chase British Airways Visa Signature® Card
100K Avios
Get 100K Avios after $5K spend in first 3 months. Also get 5x on purchases with British Airways, Aer Lingus, and LEVEL for first 18 months (then 3x) and 3x on hotels booked directly with the hotel for first 12 months (then 2x)

$95 Annual Fee

FM Mini Review: Good choice for a nice signup bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe.


Card Type: Visa Signature

Base
Travel
Brand

Earning rate: 5X British Airways. Iberia, and LEVEL purchases for 18 months (then 3x) ⚬ 3X hotel accommodations booked directly with the hotel (then 2X) ⚬ 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years.

Noteworthy perks: Up to $600 per year in award fee rebates ⚬ 10% off BA flights originating in the US.

Chase Iberia Visa Signature® Card
100K Avios
Get 100K Avios after $5K spend in first 3 months. Also get 5x on purchases with British Airways, Aer Lingus, and LEVEL for first 18 months (then 3x) and 3x on hotels booked directly with the hotel for first 12 months (then 2x)

$95 Annual Fee

FM Mini Review: Good choice for a nice signup bonus. Unless you fly Iberia often or intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Base
Brand

Earning rate: 5X British Airways. Iberia, and LEVEL purchases for 18 months (then 3x) ⚬ 3X hotel accommodations booked directly with the hotel (then 2X) ⚬ 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your Iberia Visa card, you’ll earn a discount voucher good for $1,000 to use toward two tickets on the same flight

Noteworthy perks: 10% off on Iberia flights when you use your Iberia Visa to purchase at iberia.com/Chase10

Chase Aer Lingus Visa Signature® Card
100K Avios
Get 100K Avios after $5K spend in first 3 months. Also get 5x on purchases with British Airways, Aer Lingus, and LEVEL for first 18 months (then 3x) and 3x on hotels booked directly with the hotel for first 12 months (then 2x)

$95 Annual Fee

FM Mini Review: Good choice for a nice signup bonus. Unless you intend to go for the big spend bonus, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Base
Brand

Earning rate: 5X British Airways. Iberia, and LEVEL purchases for 18 months (then 3x) ⚬ 3X hotel accommodations booked directly with the hotel (then 2X) ⚬ 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your Aer Lingus Visa card, you’ll earn an economy class companion ticket good for 1 year.

In a normal world, 100,000 airline miles for $5,000 spend would be huge news.  Today, these excellent offers get lost in the crowd.  And truthfully, the points earned from these offers (Avios) can be very valuable, but only for specific types of awards.  These are great offers if you know how to use Avios towards great value (and you plan to do so).

Who should get it: Those under 5/24 who know how to get great value from Avios.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: If you’re not already an Avios fan, I’d recommend looking elsewhere.

Timing your application: The 100K Avios offers are scheduled to end June 30th.  Sign up before then.

See also:

Alaska: 60K miles + $100 statement credit + Companion Fare

Card Offer
Alaska Airlines Visa Signature
60K miles + $100 statement credit + Companion Fare
60K miles + $100 statement credit + Companion Fare ($99 + taxes) after $3K spend in 3 months

$75 Annual Fee

Info 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 67K miles: 42K miles + Companion Fare ($99 + taxes) after $2K spend in 3 months + 25K miles after $8K total purchases in first 6 months [Expired during 2021]

This is a very good offer for those interested in accumulating Alaska miles to take advantage of some of their great sweetspot awards, or to use the card’s companion fare to save on airfare.  The $100 statement credit is a very nice kicker.

Who should get it: Anyone looking to add to their Alaska mileage balance and/or who wants to use the card’s companion fare.

Who shouldn’t get it: If you’re trying to stay under 5/24, you may want to wait.

Timing your application:  We don’t know how long this offer will last.

Excellent Hotel Card Offers

IHG Premier: 140K

Card Offer and Details
Chase IHG® Rewards Premier Credit Card
140K points
140K points $3K spend in 3 months

$99 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

Recent better offer: 125K + free night certificate [Expired 3/22]


Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Brand
10X
(6%)

Earning rate: 10X IHG ⚬ 5X travel, dining, and gas stations ⚬ 3X on all other purchases

Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ⚬ Diamond status after $40K in purchases + one additional purchase in a calendar year

Noteworthy perks: Annual free night e-certificate good at IHG properties up to 40K points per night ⚬ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ Platinum elite status ⚬ Up to $50 in United TravelBank cash per year (must register your card with your United account)

This is a great card to get and to keep for its annual free night 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 throw in Platinum Elite status, up to $50 per year in United Airlines credits, and 4th Night Free award bookings and this card is a winner.  For details, see: IHG Card Changes: New Biz Card, Higher Earning, Top Up Certs With Points & More.

Who should get it: Anyone under 5/24 who does not yet have this card may find it worth getting.  Note that you are allowed to sign up for both the IHG Premier consumer card AND the IHG Premier business card.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: Anyone who has no use for IHG points, status, or free nights.

Timing your application: It’s unclear how long the 140K offer will last.

Hilton Aspire: 150K plus free night

Card Offer

This is the card’s usual great offer, but it’s plenty good enough to include here.

Who should get it: Anyone who is good at using the card’s annual rebates should get this card since those rebates more than make up for the card’s annual fee, and then the annual free night and Diamond status are fantastic bonuses.

Who shouldn’t get it: If you don’t think you’ll fully use the card’s $250 resort credit and $250 airline fee rebate, then get this card only if you very highly value Diamond elite status and the card’s annual free night.

Timing your application: My guess is that Amex will eventually increase the annual fee on this card and so it would be good to get this before that happens so that you’ll get at least a year with the card at the current annual fee.

See also: A new ultra-premium card, in-depth review: Amex Hilton Aspire

Awesome Business Card Offers (Won’t Add to 5/24)

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.
More:You must have a business (but you probably do): In order to sign up 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.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.  This is true for Chase business cards too: you won't be approved if you are over 5/24. That said, if you are under 5/24 and get approved for a Chase business card, that card won't add to your 5/24 count.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Ink Business Cash: 75K + great 5X categories

Card Offer and Details
Ink Business Cash® Credit Card
75K points
75K after $7.5K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office
Other

Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025

See also: Chase Ultimate Rewards Complete Guide

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.  Those willing to do a little bit of work will find that stores like Staples and Office Depot sell lots of gift cards in-store; and Staples.com sells them online.  In both cases, you’ll earn 5X buying gift cards so that you can ultimately buy what you really want.

The 75K offer does require $7,500 spend, but imagine if you spent all of that within 5X categories… you would earn 37,500 points to add to the 75K for a total of 112,500!

Who should get it: Anyone with a premium Ultimate Rewards card (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred) in the household should consider getting the Chase Ink Business Cash.  The Ink Cash makes it easy to earn points quickly and the premium cards (especially the Sapphire Reserve) make your points more valuable.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.  This is true for Chase business cards too: you won't be approved if you are over 5/24. That said, if you are under 5/24 and get approved for a Chase business card, that card won't add to your 5/24 count.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: Don’t apply if you don’t have a business or if you’re over 5/24.

Timing your application: Sign up before going over 5/24.

See also:

Ink Business Unlimited: 75K + 1.5X everywhere

Card Offer and Details
Ink Business Unlimited® Credit Card
75K points
75K after $7.5K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred.


Card Type: Visa Signature Business

Base
Other

Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025

See also: Chase Ultimate Rewards Complete Guide

This isn’t as much of a “must have” card as the Ink Cash, but the welcome bonus is similarly awesome.  It is possible to get both cards even if you have only one business.

Who should get it: Anyone with a business who can qualify for this offer should consider it.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.  This is true for Chase business cards too: you won't be approved if you are over 5/24. That said, if you are under 5/24 and get approved for a Chase business card, that card won't add to your 5/24 count.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: Don’t apply if you don’t have a business or if you’re over 5/24.

Timing your application: Sign up before going over 5/24.

See also:

Ink Business Preferred: 100K

Card Offer and Details
Chase Ink Business Preferred Card
100K points
100K after $15K spend in 3 months

$95 Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Base
Travel
Phone
Biz
Other

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Transfer points to airline & hotel partners ⚬ Cell phone protection against theft or damage

See also: Chase Ultimate Rewards Complete Guide

This continues to be an excellent offer, but it is overshadowed by the Ink Business Cash and Ink Business Unlimited offers, each of which offer 3/4th as many points for half of the minimum spend.

Who should get it: Anyone with a business who can qualify for this offer and can meet the hefty minimum spend requirements should consider it.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.  This is true for Chase business cards too: you won't be approved if you are over 5/24. That said, if you are under 5/24 and get approved for a Chase business card, that card won't add to your 5/24 count.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who shouldn’t get it: Don’t apply if you don’t have a business or if you’re over 5/24.

Timing your application: Sign up before going over 5/24.

See also:

Brex Cash: 110K Transferable Points & No Credit Pull

Card Offer
Brex Cash
Up to 110K Points
30K points after $3.5K spend, or 80K points after $9K spend within 30 days. Plus 10K after $3K spend in 3 months and 20K when you connect payroll to Brex.

No Annual Fee

This offer is very different from the usual credit card signup offer.  In this case, instead of signing up for a credit card, you sign up for a Brex business cash management account.  That account happens to come with a credit card that acts like a debit card: your credit limit is tied to the amount of cash in your cash account (usually 80% of available cash). You can cash out Brex points for a penny each (110K points = $1,100 cash!) or transfer points 1 to 1 to airline transfer partners.

To qualify for this offer, you must own a business that is registered in the United States as a C-corp, S-corp, LLC, or LLP.

Applying for Brex Cash won’t trigger a credit pull and it won’t add to your 5/24 count.  The only reason I can think of for those with qualifying businesses not to apply is that there’s a very large and short-term minimum spend requirement in order to earn the full bonus.

Who should get it: Anyone who owns a business that is registered in the United States as a C-corp, S-corp, LLC, or LLP should jump on this deal.  This account does not affect your Chase 5/24 status and there is no hard pull on your credit account.

Who shouldn’t get it: Don’t apply if you don’t own a qualifying business or if you’re unable to meet the spend requirement.

Timing your application: It’s unclear how long this offer will last. If you qualify, you might as well sign up right away.

See also: Brex Bonus: 110K transferable points without a credit inquiry

American Airlines Business Card: 80K

Card Offer

This is an excellent offer with a very low spend requirement.

Who should get it: Anyone looking to add to their AA points balance.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Who shouldn’t get it: If you don’t have a business or have no interest in AA miles, look elsewhere.

Timing your application:  I don’t know how long this offer will last, so apply soon if interested.

JetBlue Business: 80K + $99

Card Offer
JetBlue Business Card
80K Miles + $99
80K miles + $99 statement credit after $2K spend in 90 days

$99 Annual Fee

While this offer isn’t as good as the 100K JetBlue offers that expired in February 2021, it’s probably the best we’ll see anytime soon.  This card is a great choice to get and to keep if you’re a regular JetBlue flyer.  It offers a free checked bag when flying JetBlue, 5,000 bonus points every anniversary, and a 10% point rebate on awards.  These perks alone can easily offset the $99 annual fee.

If you’re not interested in JetBlue points, but could use Amtrak points, note that JetBlue points transfer to Amtrak at a 2 to 1 ratio (e.g. 80K JetBlue points turns into 40K Amtrak points).  With Amtrak points worth up to 2.9 cents each, that’s actually a very good conversion.  See: Transfer JetBlue to Amtrak for up to 1.45 cents per point value.

Who should get it: Anyone looking to add to their JetBlue or Amtrak points balance.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Who shouldn’t get it: If you never fly JetBlue or ride Amtrak, look elsewhere.

Timing your application:  This is listed as a Limited Time Offer, but we don’t know when it will end.  If interested, apply soon!

Wyndham Business Card: 75K + Diamond Status

Card Offer
Wyndham Rewards Earner Business Card
75K Points
65K points after $1K spend in first 90 days + 10K points after one purchase is made on an employee card

$95 Annual Fee

This is a great offer for an excellent card.  I’m a fan of the Wyndham Earner Business card for the following reasons:

  • 15K annual point bonus: The annual point bonus alone is worth the card’s $95 annual fee.
  • Automatic 10% discount on awards: Awards that usually cost 15K points will cost 13,500 points once you have the card. Similarly, 30K awards will cost 27K.
  • Vacasa Vacation Rentals: It’s possible to book amazing vacation rentals for as low as 13,500 points per night.  See: Wyndham Vacasa: Great Value is Real!
  • Wyndham Diamond status: With this status you can get suite upgrades (including on free nights), welcome amenity, and ability to gift Gold status to others.  Even better, Wyndham Diamond status freely matches to Caesar’s Diamond which offers perks like waived resort fees, free $100 Celebration dinner (read Nick’s Celebration Dinner trip report here), and more.
  • Strong earnings for gas station purchases (8X), Wyndham hotels (8X), and utilities (5X)
  • Won’t add to your 5/24 Count: Business cards from most issuers (including Barclays) do not show as accounts on your personal credit reports and therefore do not add to your Chase 5/24 count.

Who should get it: Anyone interested in using points to stay at Wyndham properties or Vacasa Vacation Rentals; or anyone who would benefit from having Caesar’s Diamond status (matched from Wyndham Diamond).  Note that you can also transfer Wyndham points to Caesars Rewards points.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Who shouldn’t get it: Anyone who doesn’t foresee any good use for Wyndham points should stay away.  Wyndham points expire 4 years after they’re earned.

Timing your application: The enhanced offers are scheduled to end 10/14/21.

See also: New Wyndham Earner credit cards review: Surprisingly strong

IHG Premier Business: 140K

Card Offer and Details
Chase IHG® Rewards Premier Business Credit Card

Card Type: Mastercard World Elite

Base
Travel
Dine
Gas
Office
Brand
10X
(6%)

Earning rate: 10X IHG ⚬ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ⚬ 3X on all other purchases

Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a cardmember year + make one additional purchase. ⚬ Diamond status after $40K in purchases + one additional purchase in a calendar year ⚬ Free night certificate (up to 40K points) after $60K in purchases + one additional purchase in a calendar year

Noteworthy perks: Annual free night e-certificate good at IHG properties up to 40K points per night ⚬ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ⚬ Fourth night free on award stays ⚬ 20% discount on points purchases ⚬ Platinum elite status ⚬ Up to $50 in United TravelBank cash per year (must register your card with your United account)

This is a great card to get and to keep for its annual free night 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 throw in Platinum Elite status, up to $50 per year in United Airlines credits, and 4th Night Free award bookings and this card is a winner.  For details, see: IHG Card Changes: New Biz Card, Higher Earning, Top Up Certs With Points & More.

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.
More:You must have a business (but you probably do): In order to sign up 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.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.  This is true for Chase business cards too: you won't be approved if you are over 5/24. That said, if you are under 5/24 and get approved for a Chase business card, that card won't add to your 5/24 count.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

Who should get it: Anyone under 5/24 who does not yet have this card may find it worth getting.  Note that you are allowed to sign up for both the IHG Premier consumer card AND the IHG Premier business card.

Who shouldn’t get it: Anyone who has no use for IHG points, status, or free nights.

Timing your application: It’s unclear how long the 140K offer will last.

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Art Leyenberger

Greg, just curious – why is AMEX Plat Morgan Stanley rated so low (1st year value)? I would think having MS rebate the annual $695 fee is worth at least 70,000 MR points, even if there is no 10X dining. And it should clearly be rated higher than the Schwab Plat. Am I missing something?

Matt

BBP for 60K: 50K for $15K plus 10K for $1K.
Worth it or too much spend for too few points, considering 160K Biz Pat offer?

Zzz

There is a link on Reddit for a 70k SUB for the CSR that still seems to be active. Google “CSR 70k bonus Reddit” and it is in a thread called “PSA: CSR has a 70k SUB”

ReconScott

Greg, Aviator Business is currently 70K bonus.

Robert

I have the Venture X and earned the bonus. Is it worth picking it up for my wife via my referral? Pretty high spend but spread over 6 months. Thoughts? If we don’t it’s a lot of points left on the table

Steve

Does Brex work as a credit or debit card for paying taxes through third party payer?

Harry

Credit using the card. Not sure on this, but if you have an account with IRS, Brex could probably do an echeck for no fee.

A B

I think it’s safe to call them Capital One Miles (without the quotes) now that they transfer to most airlines 1:1. Previously they should’ve called them Kilometers.

brandon

Nice list! Does Capital One do much reconsideration? I was rejected for Venture X and wasn’t sure if they have recon like other issuers

Brandon

Thanks! Too bad they won’t reconsider but your answer saves me some time on the phone

Oliver

Chase Aeroplan card?

D.W.

The title for the Amex Gold offer needs to be updated to 75k, you still have the title listed at 60k, but I think the actual offer is correct.

hank

Hey Greg,
I was thinking should I “trade” my Hilton AmEx in for an AmEx that provides airline travel points and then transfer the acquired points for use at hotels? I don’t travel much of late except for personal fairly regional travel that I use at Hilton, but I may start working again and thus “travel again”

erika Hamilton

Listened to your podcast recently about the 15x small business resy offer. How are you tracking what codes as small business? I dont see any way to track what is offering bonus points (under the K07M coding) to the particular purchase, which makes it hard to max out the rewards points. From the podcast, it sounded like you and NIck were somehow able to track what was coding.

RD DD

I already have two Business Platinums. Now they targeted me with the 150k points offer again. Is 3 Bus Plat’s too much? Will it attract attention from the RAT?

slaven

Works for me, but RAT worried since I wasn’t targeted directly for this offer.

Susan4

No travel benefits on the Citi Premier card. How did I miss that?! Thanks for the heads up Greg.

YY Fung

My husband is 4/24. We hope to get him the Chase Marriott Boundless so he can renew his Platinum thru 2/2023 and we need large amount of Marriott points.. However the SUB is terrible now. What card should I get him next? There are plenty of amazing cards with amazing SUB. Should I save a spot for any Chase card? Like CIC? Is it still tight now? Or should I give up the last 5/24 spot for AMEX or Citi??

Oliver

I would consider the Alaska Business card for an honorable mention. Only for those who intend to use the miles for an international redemption.

60k miles
3k spend

rick b

I’d say it should be in the top 5. Those Amex offers are nice, but the Plat fees eat up a lot of the benefit, especially on Biz versions which have very few coupon perks that average consumers can take advantage of. I’m skipping the 150k offer, for example, until I’m more desperate for MR points.

Oliver

I am going to pick up the Wyndham Business Card. I plan on using the points on Go Fast redemptions during a road trip. Hyatt globalist is not sufficient.

I would like to pick up another Amex Platinum (Schwab) given the current bonus. I finally got my first platinum last November. I would prefer to wait until Chase releases the Aeroplan cards, since I am 4/24. Waiting 2 months, will reduce the overlap between the vanilla Platinum, the Platinum Business and the Schwab Platinum.

Robert

I downgraded my CSR, had that since it was new, and am nearly ready to apply for CSP. My question is can I use a referral to the card with the in-branch promotion? My wife’s referral code seems to be more worth it for 20k referral points for her vs the waived $95 fee. What are your thoughts?

Ethan

Have you written any articles on how to decide which Platinum card to apply to first, e.g. ‘vanilla’ vs. Schwab?

Captain Greg

I thought the new terms on the Morgan Stanley and Schwab cards didn’t let you get the bonus if you got any other personal platinum bonus. Is that not true?

Stephanie

Do you have any thoughts on the current Marriott offer for 100k points?

Vince

Why no Chase Ink Bus Preferred? Points/spend/first year value are similar to your other picks. Just curious. https://frequentmiler.com/cibp/

Miguel

I ended up getting the 125k bonus for the Apex Platinum offer above. However, I can’t remember if it included the $200 Home Depot Lowes Credit, and I didn’t screenshot it. Does anyone know if if the 125k offer includes the $200 credit? I inquired via chat with AMEX customer service and the rep indicated that they don’t see such an offer on my account.

Harry

My wife took out the Chase Ink Business cash for the 5X category mostly. In a way a Chase business card does hit your personal FICO. Maybe not counting on the 5/24 as such, but it counts as a hard pull which she did not need from her past personal cards the past several months. I was surprised, so now, even though she is technically still below 5/24, no more cards until the number of hard pulls go down.

Aleks

Great offers, but mostly with a higher minimal spend ($4k+). Right now Amex Green offers 50,000 MR + $200 credits with $2k spend – that’s the highest for that card.
I think that can make the top of the list for people who don’t spend a lot. Those 50,000 MR can be converted to 140,000 Hilton points, which is better than most offers on Amex Hilton cards (not even counting the $200 credits).

Kim

Just a reminder to update the bookmark link at the top for the CSP to say 80k instead of 60k.

Jeff

DP- Wyndham buisness may be subject to 6/24. Was my first Barclay Biz application so not 100%

Brands

Greg and Nick, do you guys know if he monthly $10 food credits on the Amex gold reset every calendar month, or whenever your statement closing date is?

Marshall

Greg:

FYI I just used my Amex airline credits to purchase tickets on SW. Kept the amounts charged to the CC (my gold and wife’s plat cards) to below 100 per charge on each card per your suggestion. Also had the charges as “odd” amounts, as opposed to even amounts on theory that looked less “suspicious”. Not sure the odd amounts made a difference, but they all got credits back.

Also, just got approved instantly for a personal plat card with 100 k
points. Had a business plat before. Thanks for the heads ups.

Don’t want 2 plat cards. Will downgrade wife’s to a green card so can keep her points. Do you see any problems with this strategy?

Thanks

Marshall

Thanks. Thoughts on keeping her Platinum card? Comparing benefits, seems like with Uber and air credits, Platinum card might be cheaper.
Always use air credits, but Uber, spotty. Might use 75-100 of those credits.

Andrew Clark

I have amex gold and keep getting upgrade offers for plat but they’re not as good as the 100k offer. Can I apply for the plat independent of my gold card?

[…] 12 Amazing Card Offers […]

Gordon

Hi FM, I applied for the IHG Premier card at the end of November without realizing that there may have been a slightly better offer than the one described above. Am I mistaken or is there one that also includes a $50 statement credit after first purchase per DoC’s link below?

https://www.doctorofcredit.com/chase-ihg-premier-140000-points-signup-bonus-with-3000-spend/

JW Newbie

Hi Greg and Nick,
Thanks for your VERY HELPFUL recent posts re: AMEX Platinum’s incredible offer. I got approved for Platinum w/ 100K Bonus & 10X Gas/Groceries!

Quick question (I’m new to Points & Miles strategies) and need some guidance:

If I spent $2500 on Gas/Groceries the first 2 months, does that mean I would get 10X Amex Membership Reward points AND ALSO would have met the $5000 spend requirement for the 100K Bonus??

Or is the the $5K spend requirement within first 6 months for purchases IN ADDITION to Gas/Groceries that I get 10X? Hoping I can meet the $5K spend just by Gas/Groceries during first 6 months, so that I can keep my non-bonused spend on Chase Freedom Unlimited.

Hoping you can clarify for me – thanks so much!!

Z. McFarland

Tried WoH yesterday for the elite run and went pending.
3/24
780 credit score
Already have CSR, United Explorer (for award space), FU, and Vanilla Freedom.
Refi’d the mortgage over the summer
Hoping it’s just a credit line issue and will contact recon if denied.

Captain Greg

When’s the earliest you can sign up for the Amex platinum and safely triple dip on the airline credit? I assume it needs a few days to post, so maybe like Dec. 6th?

Captain Greg

Ah, your answer brings up a good point. I’m not charged the annual fee until the first statement closing date, right? And then, next year, I have 30 days after the second annual fee to close the card, right? If that’s the case, I should be good and clear to sign up now and triple dip, right?

For a rough timeline:
-sign up today, get the card in a day or two, and use the airline credit
-Dec 26th (just to match your date): statement closes and first AF posts
-2021: Use the airline credit again
-Dec. 26, 2021: Second AF posts
-Jan. 2022: Use airline credit for a third time
-Jan. 25, 2022: Close the card by this date (30 days after AF posts)

Does that all seem to make sense? Signing up today would be more than safe enough to get the triple dip?

Captain Greg

Great, thanks for the input Greg!

[…] Greg’s Top Picks: Showstopping credit card offers! (Nov 2020) […]

hanchicago

I can’t tell if the new Chase Ink Cash and Unlimited sign-up bonus offers are meant to encourage or deter sole props from applying. What’s your take? I haven’t had much luck finding data points for sole props getting approved. I’ve seen maybe or two on various forums. But I wondered if those were unicorns.

[…] how blinded many of us in the hobby have become by this rule. As we’ve considered some of the huge new offers to come out this month, it comes to mind that it just isn’t worth waiting around forever hoping to find a dance […]

JN2

Lots of good information here, but it looks like you have the same information about the United Business Card under the heading for the personal “United Explorer: 70K” and the business card headings.

Yuan

Amex Pre-qualified tool shows nothing for me! Should I still go ahead and try my luck? Current I have no Amex card at all. I may have closed a couple of Amex hotel cards many many years ago. My credit score is above 800 last time I checked. I am a bit concerned about the hard inquiry it will post on my credit file. Any suggestions? Thanks in advance.

Yuan

Thank you Greg!

Raghu Narayanan

For the new platinum offer will 10X on supermarkets/gas stations work for the authorized Gold card user(no fee) of the platinum card

Raghu Narayanan

Thanks. I have the personal Plat. I can getone for my wife and be an auth user
Thanks!

Raghu Narayanan

But I guess given Amex’s reputation for clamping down on MS, giftcards might be taboo

YoniPDX

Not sure if they differentiate between AU plat and AU Gold

T&C
10x Membership Rewards Points
Earn 9 additional points per dollar on the first $15,000 of combined eligible purchases at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets) and gas stations located in the U.S…… on top of the 1 point you earn per dollar spent on eligible purchases (for a total of 10 points), made on the Card during the first 6 months of Card Membership starting from the date of account approval. You will not earn additional rewards for marina or any type of commercial fuel (e.g., jet fuel).Purchases charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for the additional points.”

Last edited 1 year ago by YoniPDX
Jacinto

I have been delaying applying for the CSP, until a possible public offer for CSR came out. I haven’t been targeted for CSR, unfortunately. Would you wait past 11/8 or jump at CSP?

Dan

Hi Greg, is the IHG Premier subject to 5/24? You don’t specifically mention it in your review of the card. I assume so, but just checking. I’m over 5/24 until Dec. 5. Also, I have the AMEX Bonvoy (the old SPG card). Can I get the SUB for the Brilliant if I sign up for it? Thanks!

Dan

Essentially all Chase credit cards are now subject to 5/24.

AlexL

IHG offer or Marriott offer if you can only get one?

AlexL

Thanks Greg for the suggestion. However, after checking, I am not qualified for another Hyatt bonus yet due to 24 months rule. >_<

Traveler Mike

I’m also interested in this, but from a slightly different perspective: I already have the Hyatt card, am under 5/24 in a couple of months, and have neither the Marriott or IHG. Which is a recommended long term keeper: Marriott or IHG?

Theresa

Greg,
Why not just cancel IHG Premier CC before AF, wait a bit and get the no-AF IHG CC instead of downgrading to it? That way potentially another bonus is earned or do you advise downgrading instead because of the increased risk to Chase’s shutdown on all cards?
I think TPG suggested going for the double bonus and not downgrade.
TY

Christopher C

I currently have the Chase Sapphire Preferred card which I got in January. Any thoughts on what card I should get next?

Stefan Krasowski (@rapidtravelchai)

I been waiting for a better offer since the Brilliant launched. From the get-go Amex and Marriott have barely marketed the card. I’ve been hoping for a big 2020 offer and got hopes slightly up with the Boundless offer. Only slightly.

paul

How about the IHG Premier 140k with no af first year?

Points Adventure

My fav personally.

Jeff

I was about to mention this, you bet me to it

Captain Greg

Hi Greg, thanks for the post. Question about the expiration of the Marriott certs: When does the clock start and do you need to book or stay within a year? To give an example, let’s say I was approved for this card today, completed the spend on Christmas Day, and then had the certificates show up in my account on January 15th (the terms say to allow up to 8 weeks for certs to be deposited). I assume my one year expiration clock starts on January 15th, correct? And do I have to stay by January 15th, or just book by then? Thank you!

Captain Greg

Thank you!

Alex

I can’t tell from your Best CC Offers page, is the current Delta Gold Business offer of 60k, their best usual offer? Thanks.

Jared

Capital One Venture 100,000 point sign-up bonus doesn’t make the list?

I know many people don’t favor it but considering the value for one hard credit inquiry and the flexibility to use the points for any travel expense, the first year value is conservatively $1200+ (assuming you are able to spend $20k+ to get the 100k sign-up bonus). What am I missing?

Captain Greg

I guess if you’re spending a lot of money, this offer is good. But I have no interest because of the high spend. I’d way rather spend $9k for 155k points between the United business and CSP, for example. I often think about signup bonuses in terms of points/$. The CSP and United Business are, at a minimum, 21 ppd and 16 ppd (respectively), while the venture is only 7 ppd since you have to spend so much.

Jared

Certainly, I don’t believe it is the best offer. The amount of spend could split amongst multiple cards for higher/better (eye of the beholder) bonuses.

However, a large majority of the readers of this blog look for bang-per-hard-inquiry since banks are increasingly cracking down on churning. Therefore, some (if not most) people could benefit more by getting one large bonus with big spend (in a one year period) with only one credit inquiry.

The offer certainly has downsides as noted by Greg and others. I was just making the point that the value for one credit inquiry is pretty good if you have the large spend coming up. Also, the flexibility on use for any travel expense (especially during the unknown months and years ahead) adds to the value (instead of being pigeon-holed into one airline or hotel loyalty program).

Captain Greg

That’s a good point. And if spend isn’t an issue (i.e., people who easily, regularly MS), this is probably a great offer as well.

Robert

Well firstly, there’s the opportunity cost of spending $20k with them. You could hit 4-5 other MSRs for that much and space those out as your spend changes. Secondly, this card’s earning, ecosystem and benefits suck when compared to the offerings from Chase, Amex & Citi. It’s not the worth holding onto past the sub which is why when points bloggers talk about what’s in their wallet, it’s never Capital One.

psh

Not forget that Capital One pulls all three bureaus, so it’s not strictly “one inquiry”

James

With the unlimited getting an uncapped 3x on drugstores. It makes it an easy card to MS on. Where do we think the line is at to not get shut down?

Joseph N.

Whoa. What am I missing? What gift cards can still be purchased with a credit card at a drugstore? All drugstores in my area are cash only for gift cards, or cash & debit.

Matt

I think that is very YMMV. There is a grocery store up the street from me that will not let me buy GC with CC, but another store 2 miles away, same company, that doesn’t bat an eye at $1k in VGCs

Kathy

How are you liquidating the VGCs?

Matt

Ironically the very same store what won’t let me buy VGCs with a CC has never once asked to check my “debit” card when getting an MO. Luckily neither does the one that lets me buy the GCs, though I haven’t tried to buy and liquidate others in the same shopping trip, i really don’t know if the kids working there would give AF but don’t want to burn any easy stops.