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
Sapphire Reserve: 100K + $500 Chase Travel℠ promo credit
| Card Offer |
|---|
 ⓘ $1585 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase Travel credit valued at $400 Click to learn about first year value estimates 100K Points + $500 Chase Travel℠ promo credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K + promo credit good for up to $500 towards a single Chase Travel℠ booking after $5K spend in 3 months. $795 Annual Fee Note that promotional travel credit is one-time use and if it is applied to a transaction of less than $500, the remaining value will be forfeited. FM Mini Review: Good all-around card for frequent traveler. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards. Click here for our complete card review |
While this welcome offer isn’t as big as we’d hoped, it’s still a great offer. 100,000 points can be used for up to $2,000 in stays booked through The Edit by Chase Travel℠ or up to $2,000 in premium cabin flights when 2x Points Boosts are available. Full details about the Sapphire Reserve card’s new features can be found here: Introducing the new couponified Chase Sapphire Reserve.
United: 100K Miles + 3,000 PQPs
| Card Offer |
|---|
 ⓘ $1048 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click to learn about first year value estimates 100K Miles + 3,000 PQPs ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K miles and 3,000 PQPs after $4K spend in the first 3 months. $350 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None. |
This is an excellent offer for this card. If you’re interested in earning United miles and United elite status, this one is definitely worth considering.
Marriott Bonvoy: Five 50K Free Nights
| Card Offer |
|---|
 ⓘ $1346 1st Yr Value Estimate5 Marriott 50K Free Nights valued at $1520 Click to learn about first year value estimates 5 x 50K Free Night Certificates ⓘ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 Earn five 50K free night certificates after spending $5,000 on eligible purchases within the first 3 months (Offer Expires 7/16/2025)$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). 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: None |
This is a very good offer for this card. If you’re interested in staying in mid-high tier, but not necessarily top of the line luxury, Marriott hotels, you should be able to do well with these certificates. Keep in mind, though, that five 50K certs are not worth nearly as much as 250K points for several reasons:
- Fifth Night Free Awards don’t work with certificates. Marriott’s “Stay for 5, Pay for 4” awards only work with points-awards.
- Certificates expire. Points don’t. As long as you have activity in your Marriott account at least once every 24 months, your points will never expire. These free night certificates, though, expire after a year.
- Points are much more flexible. 50,000 points can be used to book one 50K night, two 25K nights, four 12.5K nights, etc. A 50K cert, meanwhile, can only be used to book a single night costing 50K points or less, or it can be topped off with points to book a single night costing up to 65K. Plus, the certificate has no residual value if you use it for a night that costs less than 50K points.
See also: Marriott Bonvoy Complete Guide
Amex Gold: As high as 100K
| Card Offer |
|---|
 ⓘ $1307 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates As high as 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 100K points after $6K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$325 Annual Fee Alternate Offer: Referral Offer - 90K points after spending $6,000 in 6 months Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. |
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
Delta Amex Cards: Up to 100K
| Card Offer |
|---|
 ⓘ $682 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 90,000 bonus miles after you spend $4,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. Rates & Fees (Offer Expires 7/16/2025)$350 Annual Fee Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details. FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
 ⓘ $483 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. Rates & Fees (Offer Expires 7/16/2025)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
 ⓘ $912 1st Yr Value Estimate$100 Delta Stays credit valued at $50 Click to learn about first year value estimates 80K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 80,000 bonus miles after you spend $3,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. Rates & Fees (Offer Expires 7/16/2025)$0 introductory annual fee for the first year, then $150 Alternate Offer: Dummy booking offer of 50K + $500 credit. See this for more details. FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. |
Delta is offering very good bonuses right now. If you’re interested in picking up a Delta card, this is a good time to do so.
See also: Delta SkyMiles 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 FM Mini Review: Not bad, but the business version is better. |
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.
IHG Premier: 5 60K Nights
| Card Offer and Details |
|---|
 ⓘ $1118 1st Yr Value Estimate5 60K IHG Free Nights valued at $1280 Click to learn about first year value estimates 5 x 60K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Five 60K free night certificates after $5K spend in 3 months after account opening.$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (Expired 6/2/24) Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases Card Info: Mastercard World Elite issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points + $100 statement credit after you spend $20K in a calendar year + make one additional purchase ✦ Diamond status after $40K in purchases + one additional purchase in a calendar year Noteworthy perks: Anniversary free night e-certificate good at IHG properties up to 40K points per night ✦ Ability to add an unlimited number of points to a free night certificate to book a higher-level hotel ✦ Fourth night free on award stays ✦ 20% discount on points purchases ✦ Platinum elite status ✦ Up to $50 in United TravelBank cash per year (must register your card with your United account) ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit |
This is a good offer that is marred by the fact that you can’t top-off (add points to) the 60K certificates from the welcome bonus. This is in contrast to the card’s annual (upon renewal) 40K free nights which you can top off. With the latter, for example, if a property costs 70,000 points for a night, you can use the 40K certificate plus 30,000 points to book the stay. With the 60K certificates from this welcome offer, though, you would not be able to book a 70,000 point night at all.
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 As high as 175K points ⓘ $2259 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 |
Chase Sapphire Reserve® Card 100K Points + $500 Chase Travel℠ promo credit ⓘ $1585 1st Yr Value Estimate$300 travel credit valued at $285, $300 StubHub credit ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $300 Chase Dining credit for dining at Sapphire Reserve Tables restaurants ($150 Jan-Jun and again Jul-Dec) valued at $75, $500 Chase Travel credit valued at $400 Click to learn about first year value estimates |
Marriott Bonvoy Boundless® Credit Card 5 x 50K Free Night Certificates ⓘ $1346 1st Yr Value Estimate5 Marriott 50K Free Nights valued at $1520 Click to learn about first year value estimates |
American Express® Gold Card As high as 100K points ⓘ $1307 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates |
 Hilton Honors American Express Aspire Card 175K Points + free night certificate ⓘ $1120 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 |
IHG One Rewards Premier Credit Card 5 x 60K Free Night Certificates ⓘ $1118 1st Yr Value Estimate5 60K IHG Free Nights valued at $1280 Click to learn about first year value estimates |
The New United Quest℠ Card 100K Miles + 3,000 PQPs ⓘ $1048 1st Yr Value Estimate$200 TravelBank cash valued at $170 Click 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 |
 Chase Sapphire Preferred® Card 75K Points ⓘ $985 1st Yr Value Estimate$50 prepaid hotel credit valued at $35 Click to learn about first year value estimates |
 Alaska Airlines Visa Signature 65K miles + Companion Fare ⓘ $982 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click to learn about first year value estimates |
 Capital One Venture X Rewards Credit Card 75K Miles ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates |
 Amtrak Guest Rewards® Preferred Mastercard® 40K points ⓘ $914 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Gold American Express Card 80K miles ⓘ $912 1st Yr Value Estimate$100 Delta Stays credit valued at $50 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 |
 Free Spirit Travel More Mastercard 65K Points + $100 Voucher ⓘ $811 1st Yr Value Estimate$100 companion voucher valued at $50 Click to learn about first year value estimates |
Wyndham Rewards Earner Plus Card 90K Points ⓘ $792 1st Yr Value EstimateClick to learn about first year value estimates |
 The New United℠ Explorer Card Up to 65k miles ⓘ $791 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 Platinum Card® from American Express Exclusively for Morgan Stanley 80K points ⓘ $786 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 80K points ⓘ $786 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 Hawaiian Airlines® World Elite MasterCard® issued by Barclays 60K Miles ⓘ $785 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 |
 Southwest Rapid Rewards® Plus Credit Card 65K points ⓘ $758 1st Yr Value EstimateClick 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 |
 Hilton Honors American Express Surpass® Card 130K Points ⓘ $724 1st Yr Value Estimate$200 Hilton credit ($50 per quarter) valued at $150 Click 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 |
 Marriott Bonvoy Bold Credit Card 60K points + Free Night Certificate ⓘ $713 1st Yr Value EstimateMarriott 50K Free Night valued at $304 Click to learn about first year value estimates |
 IHG One Rewards Traveler Credit Card 120K Points ⓘ $694 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Platinum American Express Card 90K miles ⓘ $682 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates |
 Marriott Bonvoy Bevy® American Express® Card Up to 135K Points ⓘ $665 1st Yr Value EstimateClick to learn about first year value estimates |
 Barclays JetBlue Plus Mastercard 60K Miles ⓘ $663 1st Yr Value EstimateClick 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 |
 Lufthansa Miles & More® Premier World MasterCard® issued by Barclays 60K Miles ⓘ $637 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 |
 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 |
 Chase British Airways Visa Signature® Card 75K Avios ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Iberia Visa Signature® Card 75K Avios ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 Chase Aer Lingus Visa Signature® Card 75K Avios ⓘ $630 1st Yr Value EstimateClick to learn about first year value estimates |
 AAdvantage Aviator Red World Elite MasterCard 50K Miles ⓘ $601 1st Yr Value EstimateClick to learn about first year value estimates |
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 Hilton Honors American Express Card 100K Points + $100 Statement Credit ⓘ $547 1st Yr Value Estimate$100 statement credit valued at $100 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 |
 The New United Club℠ Card 100K Miles ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Reserve American Express Card 100K miles ⓘ $483 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click 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 |
 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 |
 avianca lifemiles American Express® Elite Card Up to 100K 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 |
 Chase World of Hyatt Credit Card Up to 45K points ⓘ $406 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 |
 Frontier Airlines World MasterCard® 50K miles ⓘ $380 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 |
 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 |
 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 |
 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 |
 Marriott Bonvoy Bountiful™ Card 85K points ⓘ $333 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 |
 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 |
 BREEZE EASY™ VISA® CREDIT CARD 40K Points ⓘ $290 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 |
 Qatar Airways Privilege Club Signature Card Up to 40K Avios ⓘ $281 1st Yr Value EstimateClick to learn about first year value estimates |
 Carnival® World Mastercard® 30K FunPoints ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates |
 Royal Caribbean® Visa Signature® Credit Card 30K Points ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates |
 Celebrity Cruises® Visa Signature® Credit Card 30K Points ⓘ $279 1st Yr Value EstimateClick to learn about first year value estimates |
 Citi Custom Cash® Card 20K Points ⓘ $276 1st Yr Value EstimateClick to learn about first year value estimates |
 PenFed Pathfinder Rewards 50K Points ⓘ $275 1st Yr Value EstimateClick to learn about first year value estimates |
 Cathay Pacific Visa Signature card 38K Miles ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates |
 Wells Fargo Autograph℠ Card 20K points ⓘ $263 1st Yr Value EstimateClick to learn about first year value estimates |
 Emirates Skywards Premium World Elite Mastercard 70K Miles + 1 Year Gold status ⓘ $248 1st Yr Value EstimateClick to learn about first year value estimates |
 Priceline VIP Rewards™ Visa® Card $200 + 5K Points ⓘ $240 1st Yr Value Estimate$200 statement credit valued at $200 Click 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 |
 Disney Premier Visa Card $300 Cash Back ⓘ $230 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 |
 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 |
 Barclays JetBlue Premier Mastercard 60K Miles + 5 tiles ⓘ $191 1st Yr Value EstimateClick to learn about first year value estimates |
 Holland America Line Rewards Visa® Card 20K Points ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Princess® Rewards Visa® Card 20K Points ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Capital One Savor Cash Rewards Credit Card $200 Cash Back ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates |
 Evergreen® by FNBO Credit Card $200 Back ⓘ $189 1st Yr Value EstimateClick to learn about first year value estimates |
 Morgan Stanley Blue Cash Preferred® American Express Card $250 back ⓘ $187 1st Yr Value EstimateClick to learn about first year value estimates |
 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 |
 Schwab Investor Card® from American Express $200 Cash Back as a statement credit ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates |
 Bank of America Unlimited Cash Rewards $200 cash bonus + 2% cashback for one year ⓘ $184 1st Yr Value EstimateClick to learn about first year value estimates |
 Amazon Prime Visa $200 Amazon Gift Card ⓘ $180 1st Yr Value Estimate$200 Amazon gift card valued at $180 Click 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 |
 PNC Cash Rewards® Visa® Credit Card $200 Cash Back ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 TD Cash Visa Credit Card $200 Cash Back ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD 20K points ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD 20K points ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Cash+® $200 Cash Back ⓘ $179 1st Yr Value EstimateClick to learn about first year value estimates |
 Allegiant World Mastercard® Credit Card 25K miles ⓘ $170 1st Yr Value EstimateClick to learn about first year value estimates |
 Blue Cash Everyday® Card from American Express $200 back ⓘ $158 1st Yr Value EstimateClick to learn about first year value estimates |
 Disney Visa Card $150 Cash Back ⓘ $140 1st Yr Value EstimateClick to learn about first year value estimates |
 First Tech Choice Rewards World Mastercard® $200 cash back ⓘ $137 1st Yr Value EstimateClick to learn about first year value estimates |
 Discover it® for Students $100 + $20/year ⓘ $120 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 |
 Capital One Quicksilver Rewards for Students Credit Card $100 Cash Back ⓘ $95 1st Yr Value EstimateClick to learn about first year value estimates |
 Upromise World MasterCard® issued by Barclays $100 Cash back ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates |
 AARP® Essential Rewards Mastercard® $100 Cash Back ⓘ $90 1st Yr Value EstimateClick to learn about first year value estimates |
 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 |
 Amazon Visa $60 Amazon Gift Card ⓘ $54 1st Yr Value Estimate$60 Amazon gift card valued at $54 Click to learn about first year value estimates |
 Mesa Homeowner Card 5K Points ⓘ $50 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 |
 MGM Rewards Iconic World Elite Mastercard® 30K points + $200 Resort Credit ⓘ $46 1st Yr Value Estimate$200 MGM resort credit valued at $100 Click to learn about first year value estimates |
 HSBC Elite Credit Card 60K points ⓘ $21 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 |
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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 |
 Robinhood Gold Card Waitlist only ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Bread Rewards™ American Express® Credit Card No welcome offer ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 Simon® American Express® Credit Card from Cardless No Welcome Offer ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Getaway by FNBO® Credit Card 0% APR ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 Paypal Cashback Mastercard None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 Paypal Business Cashback Mastercard No Welcome Offer ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 UBS Visa Signature None (call to apply) ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
 U.S. Bank Smartly™ Visa Signature® Card None ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates |
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 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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 Qatar Airways Privilege Club Infinite Card Up to 50K Avios + 150 Qpoints ⓘ $-49 1st Yr Value EstimateClick to learn about first year value estimates |
 CNB Crystal Visa Infinite Credit Card None ⓘ $-85 1st Yr Value Estimate$350 airline incidental fee credit valued at $315 Click to learn about first year value estimates |
 UBS Visa Infinite None (call to apply) ⓘ $-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.
Sapphire Reserve for Business: 200K
| Card Offer |
|---|
 ⓘ $2185 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates 200K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 200K points after $30K spend in first 6 months.$795 Annual Fee FM Mini Review: Could be very appealing for a business that books a lot of travel, as it earns 8x through Chase Travel or 4x when booking direct through airline and hotels. It has decent perks, best-in-class travel protections, and earns valuable Chase Ultimate Rewards points. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards |
This one requires an eye-popping $30,000 in spend, but we’ve never before seen an offer for 200,000 Ultimate Rewards bonus points. 200,000 points can be used for up to $4,000 in stays booked through The Edit by Chase Travel℠ or up to $4,000 in premium cabin flights when 2x Points Boosts are available. Full details about the new Sapphire Reserve for Business card can be found here: The new Chase Sapphire Reserve for Business surprises, but doesn’t delight
Spark Cash: $1,500
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash" />) ⓘ $1335 1st Yr Value EstimateClick to learn about first year value estimates $1,500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,500 after $15,000 spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 FM Mini Review: A good option for business owners who prefer simple cash back rewards. |
This is an excellent offer for an excellent 2% back everywhere business card. After spending $15,000 to earn the welcome bonus, you’ll have a total of $1,800 in rewards. Plus, if you have a miles earning Capital One card, such as the Venture or Venture X, you can move your cash rewards to the Miles earning card to make the rewards transferable to airline and hotel partners.
Ink Business Unlimited: 75K
| 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 FM Mini Review: Great welcome offer for a no annual fee card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card review |
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:
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 FM Mini Review: This one should be in everyone's wallet. Incredible welcome offer for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review |
This fee-free card belongs in every point collector’s wallet. It offers 5X for office supplies and 5X for phone service, cable TV, and internet (on up to $25,000 in total purchases in 5X categories annually). Many families would do well to setup their phone, TV, and internet bills to autopay from the Ink Business Cash card in order to earn 5X rewards without any effort whatsoever.
Even though Chase describes this as a cash back card, rewards are actually in the form of Ultimate Rewards points. Once you earn the points, you can cash them out for a penny each, but that’s not the best way to get the most value. A better option is to move points to a card that makes the points more valuable for travel (Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred). For example, you could move the points to your (or a household member’s) Sapphire Reserve card and then use points to pay for travel at 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:
Delta Amex Cards: Up to 110K
| Card Offer |
|---|
![](http://cdn.nextinsure.com/imaging/opt/11e5dc36-aa91-4820-9b8e-67a3e145e86e.jpg?w=300" alt="Delta SkyMiles® Platinum Business American Express Card" />) ⓘ $744 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 100,000 bonus miles after spending $8,000 in eligible purchases on your new card in your first 6 months of card membership. . Terms and limitations apply. (Rates & Fees) (Offer Expires 7/16/2025)$350 Annual Fee FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
![](http://cdn.nextinsure.com/imaging/opt/0877ce67-755f-4abc-a129-c9b5e47a3a58.jpg?w=300" alt="Delta SkyMiles® Reserve Business American Express Card" />) ⓘ $506 1st Yr Value Estimate$250 Delta Stays credit valued at $125 Click to learn about first year value estimates 110K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 110,000 bonus miles after spending $12,000 in eligible purchases on your new card in your first 6 months of card membership. . (Rates & Fees) (Offer Expires 7/16/2025)$650 Annual Fee FM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status. |
 ⓘ $993 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Limited Time Offer: Earn 90,000 bonus miles after spending $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) (Offer Expires 7/16/2025)$0 introductory annual fee for the first year, then $150 FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card. |
Delta is offering very good bonuses right now. If you’re interested in picking up a Delta card, this is a good time to do so.
See also: Delta SkyMiles Complete Guide
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 |
|---|
Sapphire Reserve for Business℠ Card 200K points ⓘ $2185 1st Yr Value Estimate$300 travel credit valued at $285, $500 Chase The Edit credit ($250 Jan-Jun and again Jul-Dec) valued at $125, $100 GiftCards.com credit ($50 Jan-Jun and again Jul-Dec for cards purchased from https://reservebusiness.giftcards.com/) valued at $50 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />){kind=small} Capital One Venture X Business Card 150K Miles ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates |
![](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 150K points ⓘ $1738 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5 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 |
Capital One Spark Cash $1,500 Cash Back ⓘ $1335 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 |
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 |
Delta SkyMiles® Gold Business American Express Card 90K miles ⓘ $993 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/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 |
 Alaska Airlines Visa Business Card 60K miles + Companion Fare ⓘ $891 1st Yr Value EstimateCompanion ticket for $99+taxes and fees valued at $150 Click 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 |
 Chase World of Hyatt Business Credit Card 60K points ⓘ $816 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 |
Delta SkyMiles® Platinum Business American Express Card 100K miles ⓘ $744 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates |
 The New United℠ Business Card 75K Miles + 2,000 PQP ⓘ $735 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 |
 IHG One Rewards Premier Business Credit Card 140K points ⓘ $704 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 |
 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/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />){kind=small} Hilton Honors American Express Business Card Up to 175K Points ⓘ $659 1st Yr Value Estimate$240 Hilton credit ($60 per quarter) valued at $180 Click 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 |
 JetBlue Business Card 50K Miles ⓘ $515 1st Yr Value EstimateClick to learn about first year value estimates |
Delta SkyMiles® Reserve Business American Express Card 110K miles ⓘ $506 1st Yr Value Estimate$250 Delta Stays credit valued at $125 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/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 |
 TD Business Solutions Visa $400 Cash Back ⓘ $337 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 |
 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 ⓘ $113 1st Yr Value Estimate$125 Amazon gift card valued at $112.5 Click to learn about first year value estimates |
![](http://cdn.nextinsure.com/imaging/opt/57495ed9-6f4e-4919-9a83-ae2ec251f236.png?w=300" alt="Business Green Rewards Card from American Express" />){kind=small} Business Green Rewards Card from American Express 15K points ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates |
 Costco Anywhere Business Visa No Welcome Offer ⓘ $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.