Recommended Credit Card Offers

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. I do not write deabout all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).

There are a few places online that compile the best credit card deals. But as you get from reading this blog, I have my own take on what actually is best. So I’ve compiled these offers in many ways as a repository for myseilf — these are the links I go back to when it’s time to sign up for a card myself or recommend a link to friends and family.

If you find something I’ve missed, I’d greatly appreciate cit if you would e-mail me.

American Express, Chase, Citibank, and Barclays are advertising partners of this blog.

This does not endeavor to be a complete and 100% exhaustive list of all of the credit cards that exist. Rather, these are the cards that I believe are actually worthwhile.

AIRLINE CREDIT CARDS

Aer Lingus AerClub

Aer Lingus Visa Signature® Card

Irish airline and British Airways partner Aer Lingus has a credit card in the U.S. issued by Chase and you can earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

Spending on the card will earn 3 Avios per $1 spent on flight purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations purchased directly with the hotel, plus 1 Avios per $1 spent on all other purchases.

Cardmembers and authorized users are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland. Each calendar year you make purchases of $30,000 on this card you’ll receive a Commercial Companion Ticket good for 12 months.

Alaska Airlines Mileage Plan: 30,000 mile signup bonus: $75 annual fee not waived the first year.

This card also comes with a $99+tax companion ticket which is valid for use on any paid coach fare. Sadly the companion tickets are no longer useful on paid first class fares.

Alaska Airlines Business Card also offers an annual companion ticket and has an initial bonus of 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of account opening.

The Alaska Airlines World Elite Mastercard from mbna is the Canadian version of the card and similar.

American AAdvantage

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is offering 65,000 American Airlines AAdvantage® miles after spending $4,000 in purchases within the first 4 months of account opening. This card has a $0 annual fee the first year (then $99).

The card offers first checked bag on domestic American Airlines itineraries. There’s preferred boarding on American Airlines flights as well.

Earning is 2 miles per dollar on eligible American Airlines purchases as well as at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations (one mile per dollar on other purchases).

In addition cardmembers earn an American Airlines Companion Certificate for domestic main cabin travel after $30,000 spend or more in purchases each cardmembership year and cardmembership is renewed.

American Airlines AAdvantage MileUp℠ Card offers 10,000 AAdvantage bonus miles and a $50 statement credit after spending $500 in purchases within the first three months after account opening.

Earning is 2 miles per dollar on eligible American Airlines purchases and at grocery stores and 1 full mile per dollar everywhere else. This no annual fee card is arguably the best card for grocery store spend earning a full two miles and not capping bonus earning in the category.

Barclays AAdvantage® AviatorTM Red World Elite Mastercard® has an offer to earn 60,000 American Airlines AAdvantage bonus miles after first purchase within 90 days of account opening and paying the card’s $99 annual fee.

Cardmembers receive one free checked bag (on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation) and preferred boarding on American Airlines domestic itineraries.

AAdvantage® Aviator® Silver World Elite Mastercard®

You can’t apply for this card directly, you can only product change an Aviator Red card to it. This card comes with a $100 Global Entry credit. You get priority boarding and free checked bag for up to 8 passengers on the same itinerary.

What’s unique about it is:

  • 5000 elite qualifying miles after $20,000 spend in a year
  • $99 companion ticket (valid for up to 2 companions at $99+tax each) after qualifying spend in a year
  • 5000 more elite qualifying miles after $40,000 spend in a year
  • 3000 elite qualifying dollars after $50,000 spend in a year

AAdvantage® Aviator® Business Mastercard®

Signup bonus is up to 75,000 AAdvantage® bonus miles: Earn 65,000 miles after spending $1,000 in the first 90 days. Earn 10,000 miles when a purchase is made on an employee card.* It has a $95 annual fee.

Benefits include first checked bag free and preferred boarding for the cardmember and up to 4 companions on the same itinerary.

$25,000 spend on the card in a calendar year earns $3000 elite qualifying dollars, $30,000 spend earns a $99+tax companion ticket.

Asiana Visa Signature® Credit Card

Signup bonus is 30,000 miles after $3000 spend within 90 days. Card earns triple points on Asiana, double points on gas and groceries, and one mile per dollar on everything else.

Every year you get 2 Asiana lounge invitations, 10,000 bonus miles, and a $100 rebate on Asiana Airlines ticket purchases (great for taxes and fuel surcharges on an award ticket).

Asiana miles are tough to get but they have one of the best Star Alliance award charts.

British Airways

British Airways Visa Signature® Card

Chase is offering an initial bonus of up to 100,000 Avios:

    Earn up to 100,000 Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

On an ongoing basis spend will: Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases.

If you spend $30,000 in a calendar year to earn a Travel Together Ticket good for two years which can double the value of your Avios on a single redemption for 2 people.

Cardholders receive a 10% discount off of British Airways flights starting in the US when you book by March 31, 2020.

A big benefit when it comes time to redeem your Avios, this card will give you up to $600 in statement credits each year for flight taxes and fees when you charge those to the card (3 credits a year up to $200 each): $200 for a reward flight in business or first, $100 for a reward flight in economy or premium economy.

Delta

Delta SkyMiles® Blue American Express Card

Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.

Ongoing earn is 2X Miles per dollar at restaurants, now worldwide; 2X Miles per dollar spent on Delta purchases; and 1X Mile on all other eligible purchases.

Benefits include a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

This is a no annual fee card. Terms Apply. See Rates & Fees.

Delta SkyMiles® Gold American Express Card

Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

Ongoing earn is 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. In addition when you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit to inspire your next travel. Benefits include your first checked bag free on Delta flights.

This is a $0 introductory annual fee for the first year, then $99 annual fee card. Terms Apply. See Rates & Fees.

Delta SkyMiles® Gold Business American Express Card

There’s a limited time offer to earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months.

Ongoing spending will earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants; 1 Mile on every eligible dollar spent on purchases. In addition when you spend $10,000 in purchases on your card in a calendar year you’ll receive a $100 Delta Flight Credit.

Benefits include First Checked Bag Free + Main Cabin 1 Priority Boarding.

This card has a $0 introductory annual fee for the first year, then $99 annual fee. Terms and limitations apply. See Rates & Fees.

Delta SkyMiles® Platinum American Express Card

Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.

Spending on this card can help earn Delta elite status. With Status BoostTM, earn 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year, getting you closer to Medallion Status. (MQMs are used to determine Medallion Status and are different than miles you earn toward flights.)

Ongoing earn is 3x Miles on Delta purchases and purchases made directly with hotels; 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets; 1X Miles on all other eligible purchases.

Benefits include your first checked bag free and a fee credit for Global Entry or TSA Pre✓®. Cardmembers can pay for Delta Sky Club® access on a per visit basis at $39 per person for you and up to two guests when traveling on a Delta flight.

This is a $250 annual fee card. Terms Apply. See Rates & Fees.

Delta SkyMiles® Platinum Business American Express Card

Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Plus, earn a $100 Statement Credit after your first Delta purchase on your new Card in the first 3 months.

Spending on this card can help earn Delta elite status. It’s called Status Boost(TM) and when you spend $25,000 in purchases on the Card in a calendar year you earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. (MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.)

Ongoing spend will earn 3 Miles on every dollar spend on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels; 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year; 1 Mile on every eligible dollar spent on other purchases.

Benefits include First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.

This is a $250 annual fee card. Terms and limitations apply. See Rates & Fees

Delta SkyMiles® Reserve American Express Card

You can earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months.

This is the card that comes with complimentary access into the Delta SkyClubs® for you when traveling on a Delta flight, and now also lets you enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.

Spending on this card can help earn Delta elite status. With Status BoostTM, earn 15,000 MQMs after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. (MQMs are used to determine Medallion Status and are different than miles you earn toward flights.)

Ongoing earn is 3X Miles on Delta purchases and 1X Mile on all other eligible purchases.

Benefits include your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights, and a fee credit for Global Entry or TSA Pre✓®.

This is a $550 annual fee card. Terms Apply. See Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.

This is the card that comes with complimentary access into the Delta SkyClubs® for you when traveling on a Delta flight, and now also lets you enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.

Spending on this card can help earn Delta elite status. It’s called Status Boost(TM) and you earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your new Card in a calendar year, up to four times per year getting you closer to Medallion Status. (MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.)

Benefits include complimentary Delta Sky Club® Access and complimentary access to The Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express Credit Card.

Ongoing earn includes 3 Miles on every dollar spent on eligible purchases made directly with Delta. After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. Eligible purchases after spending $150,000 do not include Delta purchases.

This is a $550 annual fee card. Terms and limitations apply. See Rates & Fees.

Iberia Plus

Iberia Visa Signature® Card

British Airways partner and oneworld member airline Iberia has a credit card in the U.S. issued by Chase and you can earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

Spending on the card will earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases.

A unique benefit you can save 10% on Iberia flights purchased on iberia.com/Chase10 and when you make purchases of $30,000 on your card each year you earn a discount voucher of $1,000 to use toward two tickets on the same flight.

Southwest

Southwest Rapid Rewards® Performance Business Credit Card

Chase’s premium Southwest Airlines business card has an offer to earn 70,000 points after you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months. That’s an offer for up to 100,000 points.

Ongoing earn is 3 points per $1 spent on Southwest® purchases. 2 points per $1 spent on social media and search engine advertising, Internet, cable, and phone services. 1 point per $1 spent on all other purchases. These points count towards earning a companion pass.

Cardmembers receive 9000 bonus points each year after cardmember anniversary; a statement credit for Global Entry or TSA PreCheck fees every four years; reimbursement for four upgraded boardings per year (A1 – A15 boarding purchased at the airport); plus inflight wifi credits. That’s a package that makes the card’s $199 annual fee well worth it.

Southwest Rapid Rewards® Premier Business Credit Card

You can earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. Ongoing spend will earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases.

The card comes with 6,000 bonus points after your cardmember anniversary.

Southwest Rapid Rewards® Priority Credit Card

This is the premium Southwest Airlines co-brand card really designed for folks who fly Southwest — it makes Southwest travel better, and spending helps earn both A-List status and a companion pass.

The card’s initial bonus lets you earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

Ongoing spend will earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.

This $149 annual fee card provides a $75 travel credit with the airline each year; 20% back on in-flight drinks, WiFi, messaging, and movies; and four upgraded boardings per year when available (when A1-15 boarding positions are offered at the gate, buy it and you’ll receive a statement credit for the charge).

Southwest Rapid Rewards® Plus Credit Card

This card has an offer to earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

Ongoing spend will earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.

You earn 3,000 bonus points after your cardmember anniversary, a nice incentive to keep the card.

What I like about Southwest is that they have no change fees, you can use your points even to make a speculative booking. It’s always great to have Southwest points around, even if you book mostly international award tickets. You might need a domestic flight to get to the city your international award ticket leaves from. Or book the Southwest flight, and if award availability opens up to include a domestic flight on your other ticket, great, there’s no change fees. Southwest points are great insurance. They don’t have other fees either like checked bag fees or change fees.

Southwest Rapid Rewards® Premier Credit Card

This card has an offer to earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.

Ongoing spend will earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases..

You earn 6,000 bonus points after your cardmember anniversary, a nice incentive to keep the card. I love that Southwest doesn’t charge change fees and doesn’t charge for checked bags. I’ve been flying them a lot more this year, and having a stash of Southwest points on hand is great for domestic positioning flights for awards when other airlines don’t have connecting availability especially since Rapid Rewards tickets are cancellable without a fee.

United Airlines

UnitedSM Explorer Card

Chase has an offer to earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.

Your spending will earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases.

What’s great about this $0 the first year then $95 annual fee card is the travel benefits when flying United. You get first bag for free when you use your card to purchase your ticket. You get priority boarding (avoid having to gate check your carry on, and indeed on a Basic Economy fare you can still bring on a full-sized carry on bag).

You’ll get 2 one-time United Club passes each year for your account anniversary as well.

Cardmembers get access to extra award availability at lower mileage prices that general members don’t have. Elites with the card can receive complimentary domestic upgrades on award tickets.

United ClubSM Infinite Card

The United Airlines MileagePlus premium credit card is available with a$0 intro annual fee, then $525.

Ongoing the card will earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.

Benefits with this Visa Infinite product include up to $100 Global Entry or TSA PrecheckTM fee credit and 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card. You receive free first and second checked bags (a savings of up to $320 per roundtrip).

United GatewaySM Card

Chase has launched a new no annual fee card and it has an offer to earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

Even without an annual fee, ongoing earn is generous at 2X miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases. Plus, 3X miles on grocery store purchases up to $1,500 per month through 9/30/2021. It also has no foreign transaction fees.

UnitedSM Business Card

The United Business Card has a Limited Time Offer: Earn 75,000 bonus miles after qualifying purchases, plus $0 intro annual fee; plus, get a $0 intro annual fee for the first year, then $99.

The card will earn 2 miles per $1 spent on United purchases, local transit and commuting and at gas stations, office supply stores and restaurants. Plus, earn 1 mile per $1 spent on all other purchases.

You get first checked bag free, priority boarding, and two United Club passes both at account opening and again on each cardmember anniversary.

The card will give you a $100 annual United travel credit after seven United flight purchases of $100 or more. In addition they encourage you to have both a business and personal United card because this card offers 5,000 bonus miles each anniversary when you have this new United Business Card and a personal United card.

Virgin Atlantic

Virgin Atlantic World Elite Mastercard offers:

  • 20,000 Flying Club bonus miles after your first retail purchase
  • 50,000 additional Flying Club bonus miles after you spend at least $12,000 on purchases within the first 6 months of your account open date
  • Earn up to 15,000 additional bonus miles each anniversary after qualifying purchases
  • Earn up to 15,000 Flying Club bonus miles every anniversary after qualifying purchases

HOTEL CREDIT CARDS

Hilton

The Hilton Honors American Express Business Card

American Express is offering 130,000 Hilton Honors points after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

The card earns 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.

You’ll get complimentary Hilton Gold status just for having the card. $15,000 spend in purchases in a calendar year earns a weekend night reward as well.

The card comes with Priority Pass Select including 10 visits each year.

This is a $95 annual fee card. Terms apply. See Rates & Fees

Hilton Honors American Express Surpass® Card

American Express is offering an initial bonus of 130,000 Hilton Honors Bonus Points after you spend $2,000 on the new card within 3 months of cardmembershp.

Each year you spend $15,000 on the card you’ll earn a weekend night reward, and $40,000 in a calendar year earns Hilton Diamond status through the end of the next calendar year.

Ongoing earn is 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio; 6 per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3 per dollar for all other eligible purchases.

This is a $95 annual fee card. Terms apply. See Rates & Fees

Hilton Honors American Express Card

This Hilton card has a 80,000 point initial bonus after $1000 in eligible purchases within the first 3 months of card membership.

Earning is 7 points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio; 5 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 3 points per dollar on other purchases.

The product comes with Hilton Honors Silver status ($20,000 spend on the card in a calendar year earns Gold status through the end of the next calendar year).

This is a no annual fee card. Terms Apply. See Rates & Fees

Hyatt

The World Of Hyatt Credit Card

Chase and Hyatt introduced a new credit card in 2018 and I think it’s fantastic for anyone who likes Hyatt. It makes earning elite status easier, and spending is rewarding — for Hyatt stays, for bonus categories, and because of the additional free night after $15,000 in spend each cardmember year.

The initial offer is to earn up to 50,000 Bonus Points – 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.

Ongoing earn 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member.

You’ll receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort and earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.

The card lets you get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year and also earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

IHG Rewards Club

IHG® Rewards Club Premier Credit Card

Chase has an offer for you to earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

Use the card and earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases. You’ll receive a free night after each account anniversary year at eligible IHG hotels worldwide.

One of the best features of this $89 annual fee card is that cardholders receive a free reward night each time they redeem points for any stay of 4 or more nights. So that’s better than the ‘5th night free’ from Hilton, and amounts to a 25% discount on four night award stays.

Cardmembers receive platinum status for as long as they remain a cardmember. There’s a Global Entry or TSA Precheck fee credit (up to $100 every 4 years) as well.

IHG® Rewards Club Traveler Credit Card

Chase has an offer for you to earn 100,000 bonus points after spending $2,000 on purchases within the first three months of account opening.

Ongoing spend will earn up to 15 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.

One of the best features is that cardholders receive a free reward night each time they redeem points for any stay of 4 or more nights. So that’s better than the ‘5th night free’ from Hilton, and amounts to a 25% discount on four night award stays.

That’s outstanding on a no annual fee card that also has no foreign transaction fees.

Marriott

Marriott Bonvoy BoundlessTM Credit Card

There’s currently an offer to earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

Ongoing spend will earn 6X points for every $1 spent at over 7,000 hotels participating in Marriott BonvoyTM and 2X points on all other purchases.

Cardmembers receive a Free Night Award (which can be used at properties that require up to 35,000 points for the night) every year after account anniversary as well as silver elite status in the Marriott program and Gold status after $35,000 in purchases each account year, and 15 Elite Night Credits each calendar year that can be used towards higher tier levels.

Marriott Bonvoy BoldTM Credit Card

The Marriott Bonvoy BoldTM Credit Card with no annual fee has an offer to earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

This card comes with 15 Elite Night Credits each calendar year and will earn 3X points for every $1 spent at 7,000+ hotels participating in Marriott BonvoyTM and 2X points on other travel purchases (from airfare to taxis and trains).

Marriott Bonvoy Business™ American Express® Card

American Express has a Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. You can also earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.

The card earns 6 points per dollar spent at participating Marriott Bonvoy hotels; 4 points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; and 2 points on all other eligible purchases.

Cardmembers receive a Free Night Award every year after account anniversary as well as an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Each can be used for one night whose redemption cost is 35,000 points or less. (Resort or destination fees aren’t ‘free’ in the Bonvoy program..)

Silver elite status comes with the card, $35,000 in eligible purchases in a year earns Gold status. Terms apply. This is a $125 annual fee card. See rates and fees.

Marriott Bonvoy Brilliant(TM) American Express® Card

American Express has an offer to earn up to 125,000 Marriott Bonvoy points. Earn 100,000 bonus points after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 25,000 bonus points after your first anniversary of Card Membership. Offer Expires 1/13/2021.

The card comes with complimentary Platinum Elite status with your Card for the 2021 status year. Offer Expires 1/13/2021.

This $450 annual fee card offers up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels. That’s how I’ve justified holding the card myself. That, and because each year you receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.

On an ongoing basis you earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.

The card also comes with a Priority Pass select card for unlimited airport lounge visits. Terms apply. See Rates & Fees.

BANK PROGRAM CREDIT CARDS

Chase Ultimate Rewards

Chase Sapphire Preferred® Card has an offer to earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

On an ongoing basis you’ll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. In addition the card will earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

You can transfer points to Chase airline and hotel partners United; Hyatt; Southwest; British Airways; Virgin Atlantic; Singapore Airlines; Air France KLM; JetBlue; Aer Lingus; Iberia; Emirates; Marriott; IHG Rewards Club. You can also use the new Pay Yourself Back tool to redeem points against charges in everyday categories (currently, grocery, dining, and home improvement). Even if you can’t travel right now, you still have options to redeem points at higher value for the things you need.

You can also get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. This benefit is available to be activated by December 31, 2021.

Chase Sapphire Reserve® offers an initial bonus to earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Ongoing spend will earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.

The card’s $550 annual fee makes a lot of sense with the card’s $300 annual travel credit providing reimbursement for travel purchases charged to the card each account anniversary year. You also receive up to a $100 application fee credit for Global Entry or TSA Pre✓® and one year complimentary Lyft Pink membership ($199 minimum value) plus a complimentary DashPass subscription from DoorDash after activating by 12/31/21.

You can take your points and transfer them to a variety of airlines and hotel programs, or use your points at 1.5 cents apiece towards travel through the Ultimate Rewards portal.

  • Airlines: United MileagePlus, British Airways Executive Club, Air France KLM Flying Blue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, Virgin Atlantic Flying Club, Iberia Plus, Aer Lingus AerClub, Emirates Skywards
  • Hotels: World of Hyatt, Marriott Bonvoy, IHG Rewards Club

The card comes with a Priority Pass Select with unlimited visits (including for up to 2 guests) subject only to capacity at 1000+ lounges around the world. They do not exclude participating airport restaurants from the benefit. There are no foreign transaction fees.

Chase Freedom Unlimited®

This no annual fee card has an initial offer to earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

What I love most and the reason I use this card myself is to earn unlimited 1.5% cash back on all other purchases. Though you also earn 5% on travel purchased through Chase and 3% on dining at restaurants and drugstores as well.

While these points do not transfer directly to airline or hotel programs, you can combine them into a Sapphire Preferred or Sapphire Reserve account, and from there to participating airline or hotel loyalty programs. I love earning a minimum of 1.5 points that I’m able to move to United, Singapore, or Hyatt that way.

Chase Freedom FlexSM

This card has an offer to earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

An an ongoing basis you’ll earn 5% cash back on up to $1500 in eligible combined purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.

While these points do not transfer directly to airline or hotel programs, you can combine them into a Sapphire Preferred or Sapphire Reserve account, and from there to participating airline or hotel loyalty programs. I love earning 5 points per dollar spent in several categories that I’m able to move to United, Singapore, or Hyatt along with other Chase partners.

Ink Business Preferred® Credit Card

This card has a New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

Your spending will earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Employee cards come at no additional cost and there’s a $95 annual fee.

Ink Business Unlimited℠ Credit Card

This is a no annual fee Visa card that has an initial bonus offer to earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Your ongoing spend will earn unlimited 1.5% cash back on every purchase made for your business.

Ink Business CashSM Credit Card

This no annual fee card has an offer to earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. Think of that as 50,000 points, which – if you have an Ultimate Rewards card whose points transfer to airline miles and hotel points – can be combined into one of Chase’s annual fee Ultimate Rewards products, and then transferred to a variety of loyalty program partners.

Ongoing earn is rich, especially 5x categories: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; earn 1% cash back on all other card purchases with no limit to the amount you can earn.

American Express Membership Rewards

American Express® Gold Card

Initial bonus offer: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months

Earning: 4X Membership Rewards® points at restaurants worldwide, including takeout and delivery. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com; 1x points on other eligible spend.

Statement credits: $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Annual fee is $250. Terms apply, see rates and fees.

American Express® Business Gold Card

You can earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

The card earns More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Terms apply. Eligible categories are: airfare purchased directly from airlines; U.S. purchases for advertising in select media; U.S. purchases at gas stations; U.S. purchases for shipping; U.S. computer hardware, software, and cloud computing purchases made directly from select providers.

You’ll receive a 25% rebate on points after you redeem for an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year. (Although I prefer all of the options to transfer Membership Rewards points to airline miles.)

This is a $295 annual fee card. Terms apply. See rates and fees.

The Platinum Card® from American Express

American Express will let you earn 60,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 3 months.

This card gets complimentary access to American Express Centurion airport lounges. It also provides individual cardmember access to Delta lounges when flying Delta same-day, and a Priority Pass Select membership for cardmember access to lounges that are a part of the Priority Pass network (which includes Alaska Airlines lounges and many international lounges).

The card provides a $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline. You can also get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. (Enrollment required.)

There’s no foreign currency transaction fees. There are also additional travel benefits like Gold status in the Marriot program, Hilton Honors and Executive status in the National Car Rental program.

I love the new 5X Membership Rewards® points-earning on flights booked directly with airlines or with American Express Travel. (Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.) You also earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.

This is a $550 annual fee card. See rates and fees.

The Business Platinum Card® from American Express

Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.

You earn 1.5 points per dollar on each eligible purchase of $5,000 or more up to 1 million additional points per year.

The card has added a benefit of earning 5 Membership Rewards points per dollar spent on the card on flights and prepaid hotels on amextravel.com. This is valuable in my view for flights, where you don’t give up benefits booking through a third party site. However the card gives you status through a relationship with Hilton and Marriott and you give up status benefits on hotel stays booked through AmexTravel.com.

The card gets you access to American Express Centurion lounges, Delta lounges when flying Delta same day, and a Priority Pass Select card for lounge access as well.

You can enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.

This is a $595 annual fee card. Terms Apply, see rates and fees.

Amex EveryDay® Preferred Credit Card offers an initial bonus of 15,000 points after $1000 in purchases within your first 3 months of card membership.

This $95 annual fee card card earns 3 points per dollar spent at US supermarkets (on up to $6000 per year in purchases), 2 points per dollar at US gas stations, and 1 point on other purchases. It also earns a 50% bonus on those purchases each billing period in which you make 30 or more purchases with the card. That means if you use the card for 30 or more purchases each billing cycle you’ll earn 1.5 points per dollar spent — and up to 4.5 points per dollar for US supermarket purchases.

Information about this product was researched independently by View from the Wing. The issuer did not provide its details, and is not responsible for their accuracy.

Citi ThankYou Rewards

Citi Premier® Card

Citibank is offering an initial bonus of 60,000 ThankYou® points after you spend $4,000 in purchases within the first 3 months of account opening on this card.

Earning on this $95 annual fee card is 3x points on purchases at restaurants, supermarkets, gas stations, airlines, and hotels. The restaurant and supermarket categories are new.

And once per calendar year you can receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com.

CAPITAL ONE CARDS

Capital One® Venture® Rewards Credit Card

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Earning: Earn unlimited 2X miles on every purchase, every day (• Redeem on travel-from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs) Benefit: Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Foreign Transaction Fee: None
Annual Fee: $95

Capital One® VentureOne® Rewards Credit Card

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Earning: Earn unlimited 1.25X miles on every purchase, every day (Transfer your miles to over 10+ travel loyalty programs)
Foreign Transaction Fee: None
Annual Fee: $0

Capital One® SavorOne® Cash Rewards Credit Card

Current Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earning: Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Foreign Transaction Fees: None
Annual Fee: $0

CASH BACK AND TRAVEL REBATE CARDS

Citi® Double Cash Card

This is one of the absolute strongest cash back cards. It has a $0 annual fee and earns 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you you pay for those purchases. There’s no caps on the cash back you earn, and the full rebate applies regardless of spending category.

American Express Blue Business CashTM Card

You can earn up to $300 back to boost your business and earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.

This card lets you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. It has no annual fee.

Terms apply. See rates and fees.

Citi Rewards+℠ Card is the only card that automatically rounds up to the nearest 10 points on every purchase. You earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening. Earning is 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. It has a $0 annual fee.

Fidelity Investment Rewards Visa Signature Card earns 2% back deposited into a Fidelity account and has no annual fee.

Blue Cash Preferred® Card from American Express

You can earn a Limited Time Offer: $300 statement credit after spending $3,000 in purchases within the first 6 months of card membership. Offer Expires 12/10/2020. Also a Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more); 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Terms Apply, see rates and fees.

Blue Cash Everyday® Card from American Express

This no annual fee card offers a $200 statement credit after you spend $1,000 in purchases within the first 3 months. On an ongoing basis it will earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%); 2% Cash Back at U.S. gas stations and at select U.S. department stores; 1% back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

Terms apply. See rates and fees.

State Department Federal Credit Union Premium Cash Back+ is a no annual fee 2% cash back card; $200 bonus cash rewards when you spend $3,000 within the first 90 days; comes with cell phone protection.

Costco Anywhere Visa® Business Card by Citi is the business version of the above with no annual fee (with your paid Costco membership) and 4% on eligible gas for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; 1% cash back on all other purchases.

The Blue Business® Plus Credit Card from American Express

You can earn up to $300 back to boost your business and earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.

The card earns 2x Membership Rewards points on your first $50,000 in purchases per year, on everyday business purchases such as office supplies or client dinners (1 point per dollar thereafter). That makes this the best most rewarding card for otherwise-unbonused spend.

No annual fee. Terms apply. See rates and fees.

Bank of America® Travel Rewards credit card

20,000 bonus points after $1000 spend within 90 days, and 1.5x earn on everything (amounts to a 1.5% rebate to spend on travel).

OTHER CARDS

Amtrak Guest Rewards Credit Card

Earn 20,000 bonus after after $1000 spend within 90 days. The card has no foreign transaction fees and earns 3 points per dollar with Amtrak, double points on other travel, and 1 point per dollar on everything else.

The card will give you a complimentary Companion Coupon, One-Class Upgrade and a Lounge Pass for access to ClubAcela, Amtrak Metropolitan Lounge or First class lounges upon account opening.

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.