Credit Card Marketplace
If you're just getting started with credit cards, the sheer number of options out there can feel like a lot, but honestly, it doesn't have to be complicated. The single most important thing you can do before comparing any cards is figure out what you actually want to get out of them. Are you looking to earn transferable points that you can use for aspirational business class redemptions? Do you want simple, straightforward cashback? Or are you carrying a balance and just need a low APR to get ahead of your debt? There's no universally "best" card, only the best card for your specific situation.
Once you've got that figured out, the comparison process becomes a lot more fun. You'll want to look at the welcome bonus (which can often be worth hundreds of dollars on its own), the ongoing earning rates for your biggest spending categories, the annual fee and whether the card's perks justify it, and any travel or lifestyle benefits that come with it. A card with a $550 annual fee might sound steep, but if the lounge access, travel credits, and transfer partners make sense for how you travel, it can easily pay for itself several times over. The key is being honest with yourself about how you'll actually use it.
How it works
- I include a range of travel & rewards cards on this page that I find useful in a specific category, but don’t intend to list every potential credit card out there
- Compare cards using the filter to find the right benefit or feature for your household spending
- Find my category specific recommendations under the filter options on each category page
All Credit Cards
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Business Card Perks
The Business Platinum Card® from American Express
As High As 300,000 points
Business Card Perks
- Earn 2x on purchases of $5,000 or more in a single transaction on up to $2MM per calendar year
- Redeem Points For Over 1.5 Cents Each Towards Airfare
- Amex Centurion Lounge Access
In general, I would say that the Amex Business Platinum Card is a business card that you get in the long run for the benefits that it offers, rather than for the return on spending that it directly offers.
It could make sense to spend money on the card if your business consistently makes $5,000+ purchases, other than that, there are better cards for everyday spending.
The card offers big benefits but also has a steep annual fee.
When it comes to accounting for the value of the card, I recommend considering the following:
- How much do you value the various credits?
- How much do you value the various hotel and rental car elite status?
- How much value will you get from Amex Fine Hotels + Resorts® and the International Airline Program?
- How much do you value the incredible lounge access perks offered by the card?
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Foreign Transaction Fee:
None
Annual Fee:
$895
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
American Express® Business Gold Card
As High As 200,000 points
- Access to Amex Offers
- Redeem Amex Points Towards Airfare
Earning 4X Membership Rewards® for small business expenses is an awesome return, and we especially like that it automatically applies to the two categories you use most in a billing cycle, rather than having to choose just one or two each year.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.*
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$375
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Premium Card
Sapphire Reserve for Business℠
Limited Time: Earn 200,000 bonus points
Premium Card
- Earn 4x points on flights booked direct
- Earn 4x points on hotel booked direct
- $300 Travel Credit
The Sapphire Reserve for Business is Chase's premium business card, built on the basics of the personal Sapphire Reserve, with a largely similar set of perks. The rewards structure is strong, with 8x points on Chase Travel℠ bookings, 4x points on direct flight and hotel purchases, and 3x points on social media and search engine advertising, making it a natural fit for businesses that spend heavily in those categories. Authorized users can be added at no additional annual fee, though they don't receive lounge access, which is reserved for the primary cardmember. It's best for business owners who value lounge access, can maximize the travel credit and other credits, and want a strong earning card that keeps Ultimate Rewards points flowing alongside their personal Chase cards.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Foreign Transaction Fee:
$0
Annual Fee:
$795
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Earn
200,000
Chase Ultimate Rewards
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Lounge Access
American Express Platinum Card®
As High As 175,000 points
Lounge Access
- Earn 5x points on flights purchased directly from airlines or through Amex Travel (up to $500k/year)
- $200 Annual Uber Credit
- Amex Centurion Lounge Access
I love my Platinum Card® and find it well worth the annual fee. I think it can definitely be worth getting, though I also do think most people are using this card wrong. This isn’t a card you should be using for all of your credit card spending, but rather it’s a card you should get for the perks that it offers, as well as the 5x points on airfare.
To decide if you should get the card, take the $895 annual fee, subtract how much value you’d get out of the credits, and then consider how much more you value the other perks of the card, including the great lounge access benefit.
For a frequent traveler or anyone who buys international premium cabin tickets with any frequency, I think the card is well worth it.
Amex Platinum Card Review →
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$895
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
- $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Earn
as high as 175,000
Membership Rewards Points
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Business
Capital One Venture X Business
Earn 150,000 bonus miles
Business
- Earn 2x miles per dollar on every purchase
- No Foreign Transaction Fees
- 10,000 bonus miles every account anniversary
The Capital One Venture X Business is the best-value premium business card and offers an industry-leading return on spending. While the card has a hefty annual fee, getting an outsized value between the annual travel credit, 10,000 annual bonus miles, lounge access, and more is easy.
Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$395
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
Earn
150,000
Capital One miles
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Dining
American Express® Gold Card
As High As 100,000 points
Dining
- 4x points at restaurants worldwide, on up to $50,000 in purchases annually
- 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
- 3x points on flights booked directly with airlines or through amextravel.com
The Amex Gold Card is one of American Express’ best cards for earning points. With 4x points at restaurants worldwide (up to $50,000 annually) and 4x points at U.S. supermarkets (up to $25,000 annually), earning Membership Rewards points is easy.
The card also offers some credits that are potentially useful, which for many will help offset the annual fee. The card offers up to a $120 annual dining credit, plus multiple Uber benefits, which I find to be very worthwhile.
New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$325
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind - backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Earn
As High As 100,000
Membership Rewards Points
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Best Bonus
Ink Business Preferred® Credit Card
Earn 100k bonus points
Best Bonus
- Earn 3x points on travel with the first $150k in combined purchases
- Earn 3x points on shipping purchases with the first $150k in combined purchases
- Cell Phone Protection
The Ink Business Preferred Card is the single most well-rounded business credit card out there, in my opinion. The card offers one of the biggest sign-up bonus of any credit card, it offers incredible 3x points categories for common spending categories for businesses, and it offers amazing protection, ranging from car rental damage to cell phone protection.
While I’d say this card isn’t worth it for someone strictly looking for cash back, otherwise you simply can’t go wrong with this card, in my opinion.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Select business categories include:
- Shipping purchases
- Internet, cable and phone services
- Advertising purchases with social media sites and search engines
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Earn
100,000
Chase Ultimate Rewards
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Capital One Spark Cash Plus
Limited Time: Earn a one-time cash bonus of $2,000 + $500 Travel credit & More
- Unlimited 2% Cash Back
- No Foreign Transaction Fees
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
Foreign Transaction Fee:
None
Annual Fee:
$150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Premium Card
Chase Sapphire Reserve®
Earn 100,000 bonus points
Premium Card
- 4x points on flights and hotels booked direct
- 3x points on Dining
- $300 Annual Travel Credit
The Chase Sapphire Reserve is one of the most popular premium travel cards on the market, offering a strong rewards structure with 8x points on Chase Travel℠ bookings, 4x points on direct flight and hotel purchases, and 3x points on dining. The lounge access perks are a standout, with a Priority Pass Select membership, access to Chase Sapphire Lounges, and access to select Air Canada Maple Leaf Lounges. While the annual fee is steep, the annual travel credit is easy to use and helps justify the cost, and there are hundreds more in additional credits for dining, entertainment, DoorDash, and more.
It's best for frequent travelers who value lounge access, can maximize the various credits, and want a strong earning card for travel and dining spending.
Chase Sapphire Reserve Review →
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$795
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
Earn
100000
Chase Ultimate Rewards
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Starter Card
Chase Sapphire Preferred® Card
Earn 75,000 bonus points
Starter Card
- 5x total points on travel purchased through Chase Travel℠
- 3x points on dining
- 2x points on travel purchases
The Chase Sapphire Preferred has been around for more than a decade, and continues to be one of the most well-rounded credit cards for beginners and those looking for travel rewards. It offers generous rewards on dining and travel, great customer service, and some other useful perks like an annual hotel credit.
Chase Sapphire Preferred review →
- 5x on travel purchased through Chase Travel℠
- 3x on dining
- 3x on vacation homes
- 3x on gas & EV charging
- 3x on top streaming services
- 3x on online groceries (excluding Walmart, Target, and wholesale clubs)
- 2x on all other travel purchases
- 1x on all other purchases
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
Earn
75,000
Chase Ultimate Rewards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Capital One Venture Business
Earn 100,000 bonus miles
- Earn unlimited 2X miles on every purchase for your business
- No Foreign Transaction Fees
- Capital One Business Travel
The Capital One Venture Business is a straightforward and rewarding card. It has a great welcome bonus of 100,000 miles, and it offers a minimum of 2x miles on all purchases, making it a great card for everyday spending. The card also offers up to $100 in credits annually, including a $50 travel credit through Capital One Business Travel, and up to $50 in credits on purchases at qualifying advertising or software merchants. This is a great card for anyone who wants a lucrative card for everyday spending with a reasonable annual fee.
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Learn more from these OMAAT posts:
Foreign Transaction Fee:
N/A
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Earn
100,000
Capital One miles
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
United℠ Business Card
Earn up to 110,000 bonus miles and 2,000 PQP
- Earn 8x total miles on eligible United flights
- Annual Travel Credit
- Anniversary Bonus Miles
I love seeing card issuers get more creative with benefits, especially for loyal customers. For example, I think it’s innovative how they’re offering bonus miles if you have both a personal and business United credit card and how they’re offering a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
NEW! 8x total miles on eligible United flights.
2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- NEW! 8x total miles on eligible United flights.
- 2x miles on all other eligible United® purchases. 2x miles on dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag - a savings of up to $200 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
Earn up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
Marriott Bonvoy Boundless® Credit Card
Earn 4 Free Night Awards
- Earn 6x points at Marriott
- Free Night Award Annually
- 15 Elite Nights Towards Status Annually
The way I view it, this is a card that’s worth holding onto for the anniversary free night certificate, valid at a hotel that retails for up to 35,000 Marriott points per night. That benefit alone should more than justify the annual fee. If you’re going for status, the 15 elite nights towards status annually is incredibly valuable as well, and makes it easier to earn Platinum status.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
2X points for every $1 spent on all other purchases.
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 4 Free Night Awards (valued up to 50,000 points) after spending $3,000 on qualifying purchases in the first 3 months.
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
- Member FDIC
Earn 4 Free Night Awards (valued up to 50,000 points) after spending $3,000 on qualifying purchases in the first 3 months.
Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
Free Hotel Night
World of Hyatt Credit Card
Earn up to 75,000 Bonus Points
Free Hotel Night
- Earn 4x Points at Hyatt Properties
- Free Night Every Year
- Complimentary Discoverist Status
The World of Hyatt Credit Card is exceptional. It’s a card I have, and also a card I spend at least $15,000 on per year.
The card is worth having even if you don’t plan on putting spending on it — you get an anniversary free night certificate you can use at a hotel that costs significantly more than the annual fee, you get complimentary Discoverist status, and you get five elite nights towards a higher status tier.
Beyond that it can be worth putting spending on the card, thanks to the unique bonus categories, as well as the additional elite nights and second free night certificate.
The card is worth holding onto for the anniversary free night certificate and the five elite nights towards status annually, which more than justify the annual fee, not to mention the pathway to elite status based on your spending.
Hyatt Credit Card Review →
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 75,000 Bonus Points. Earn 45,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Earn
up to 75,000
World of Hyatt Points
Earn up to 75,000 Bonus Points. Earn 45,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Southwest® Rapid Rewards® Performance Business Credit Card
Earn 80,000 points
- Earn 4x points on Southwest Airlines purchases
- Anniversary Bonus Points
- No Foreign Transaction Fees
If you have a small business and fly Southwest with any frequency, then the Southwest Performance Business Card is a no brainer.
Earn 4X pts on Southwest® purchases.
Earn 2 points for every $1 you spend at gas stations and restaurants
Earn 2X points on hotel accommodations booked directly with the hotel
Earn 2X points on local transit and commuting, including rideshare.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$299
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
- Member FDIC
Earn
80,000
Southwest Rapid Rewards
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Hilton Honors American Express Aspire Card
Earn 150,000 Hilton Honors Bonus Points
- 14x points on purchases direct with Hilton
- Hilton Honors™ Diamond Status
- Annual Free Night Reward
The Hilton Aspire Card is one of the most rewarding hotel credit cards out there.
While the card has a hefty annual fee, it offers some truly incredible perks, including top tier Hilton Honors™ Diamond status, a free night reward annually, and significant statement credits.
To say that I’ve gotten outsized value from this card would be an understatement.
Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$550
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
- Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
- Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
- Card Members can earn 7X Points on purchases of flights booked directly with airlines or flights booked through American Express Travel, car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
- Card Members can earn 3X Points on all other eligible purchases.
- $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
- $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
- CLEAR+ helps get you to your gate faster at 55+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
- Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year.
- $100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
- Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- Whenever you travel more than 100 miles from home, Premium Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical, legal, and financial referrals. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
- $550 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn
150,000
Hilton Honors Points
Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Delta SkyMiles® Reserve American Express Card
As high as 100,000 Bonus Miles
- Annual Companion Certificate
- First Checked Bag Free
- Priority Boarding
The Delta Reserve Card is worth getting specifically if you’re a Delta flyer, since having the card can help you earn status with Delta, and it also offers lots of Delta specific perks that you don’t get with other cards. For the frequent Delta flyer who could benefit from the lounge access, companion ticket, improved upgrade priority, and the ability to earn status through credit card spending, this is the card to get.
Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$650
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- You may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
- Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
- $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
- Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Terms Apply.
Earn
as high as 100,000
Delta SkyMiles
You may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Graphite™ Business Cash Unlimited Card
Earn $1,500 Cash Back
- 5% cash back on flights through American Express Travel® Online
- 5% cash back on prepaid hotel bookings through American Express Travel® Online
- No Foreign Transaction Fees
Get unlimited 2% cash back* in Reward Dollars on all eligible purchases
Get 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online
Foreign Transaction Fee:
N/A
Annual Fee:
$295
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
- Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
- No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
- Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
- Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
- Terms apply.
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
Flexible Points
Citi Strata Elite℠ Card
Earn 75,000 bonus points after qualifying purchases
Flexible Points
- Earn Bonus Points on Dining
- Up to $300 Annual Hotel Benefit
- No Foreign Transaction Fees
The Citi Strata Elite is Citi's premium flagship card, offering a Priority Pass Select membership, four annual Admirals Club lounge passes, and up to $700 in annual credits across hotel, Splurge, and Blacklane categories, though not everyone will be able to maximize all of them. The rewards structure is interesting, with 12x points on Citi Travel® hotel and rental car bookings, 6x points on dining with Citi Nights℠ on Friday and Saturday nights, and 3x points on dining at all other times, plus a solid 1.5x points on everyday spending. The $200 Splurge Credit is pretty easy to use toward an American Airlines ticket, and the $300 hotel credit is straightforward to maximize with a two-night prepaid stay through Citi Travel. It's best for those who value lounge access, occasionally fly American, and can take advantage of the credits, and becomes even more compelling as part of a broader Citi ThankYou ecosystem alongside the Double Cash or Strata Premier for everyday spending.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Learn more from these OMAAT posts:
- Citi Strata Elite Card Review: Are The Premium Perks Worth The Fee?
- Is The New Citi Strata Elite Card Worth It? 10 Reasons To Apply
- The Citi Strata Elite Card’s Incredible First Year Value: Why It Stands Out
- Citi Strata Elite Card Application Experience: Instant Approval!
- Citi Strata Elite Card Welcome Bonus Summary
Foreign Transaction Fee:
0%
Annual Fee:
$595
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Earn
75,000
ThankYou Points
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Atmos™ Rewards Visa Signature® Business Card
Limited-time: 70,000 bonus point + Companion Fare offer
- 3 points per dollar spent on eligible Alaska Airlines & Hawaiian Airlines purchases
- Earn a Companion Fare
- Free Checked Bag Benefit
The Atmos Business Card is nearly identical to the Ascent Card in terms of its welcome bonus, annual fee, and core perks, with the primary difference being that it's a business card and earns 2x points on shipping rather than streaming. One major advantage is that it doesn't count toward Chase 5/24, and anecdotally is one of the easiest business cards to get approved for. There's a strong case for holding both this card and the Ascent Card simultaneously, since doing so can yield two $99 Companion Fares per year. It's best for small business owners who already hold a personal Atmos card and want to double up on companion fare benefits.
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases.
Earn 1 point per $1 spent on all other purchases.
Foreign Transaction Fee:
N/A
Annual Fee:
$70 for the company and $25 per card
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
- Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
- Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card – that’s a savings of $70 per person roundtrip!
- Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos™ Rewards Business Card.
- Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
- Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
- Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
- Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card.
- Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
Airline
Atmos™ Rewards Ascent Visa Signature® credit card
Limited-time online offer – 70,000 bonus points
Airline
- 3 points per dollar spent on eligible Alaska Airlines & Hawaiian Airlines purchases
- Earn a Companion Fare
- Free Checked Bag Benefit
The Atmos Ascent Card is the right pick for those who fly Alaska or Hawaiian occasionally and want a low-fee card with a strong welcome bonus and straightforward ongoing value. The $99 Companion Fare, earned after $6,000 in spending per anniversary year, can offset the annual fee entirely in a single trip. Authorized users are free and receive perks like preferred boarding and a free checked bag even when traveling separately, making this especially valuable for families. It's best for casual Alaska flyers who want simple, meaningful benefits without a premium price tag.
Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases.
Earn unlimited 1 point per $1 spent on all other purchases.
Foreign Transaction Fee:
N/A
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Limited-time online offer – 70,000 bonus points.
- Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
- Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on alaskaair.com.
- Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases. Points don’t expire on active accounts.
- Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
- Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Limited-time online offer – 70,000 bonus points.
Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
Admirals Club Access
Citi® / AAdvantage® Executive World Elite Mastercard®
Earn 70,000 miles after qualifying purchases
Admirals Club Access
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- Admirals Club Membership
- No Foreign Transaction Fees
The Citi AAdvantage Executive Card is the best card for lounge access if you’re a frequent flyer on American. I’ve had the Citi AAdvantage Executive Card for years, and love it. To me the long term value proposition is still there with the card.
Earn 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 on the card in a calendar year, cardmembers can earn a total of 5x AAdvantage miles on eligible American Airlines purchases for the remainder of the calendar year
Earn 10 AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and eligible car rentals booked through aa.com/cars.
Earn 1 AAdvantage® mile for every $1 spent on other purchases.
Foreign Transaction Fee:
0%
Annual Fee:
$595
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 70,000 American Airlines AAdvantage® bonus miles after $7,000 in purchases in the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Earn
70,000
AAdvantage miles
Earn 70,000 American Airlines AAdvantage® bonus miles after $7,000 in purchases in the first 3 months of account opening.
Flexible Points
Citi Strata Premier® Card
Earn 60,000 bonus ThankYou® Points after qualifying purchases
Flexible Points
- Earn 3x Points on Airfare
- Earn 3x Points on Hotels
- Earn 3x Points at Restaurants
In my opinion, the Citi Strata Premier® Card offers the most rewarding bonus categories of any mid-range credit card, as the card offers 3x points in multiple categories. I also love Citi ThankYou points, and get huge value by transferring them to airline partners, especially in conjunction with a transfer bonus.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases.
Foreign Transaction Fee:
0%
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Earn
60,000
ThankYou Points
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Delta SkyMiles® Gold American Express Card
As high as 80,000 Bonus Miles
- Earn 2x SkyMiles on purchases directly with Delta
- First Checked Bag Free
- Delta Flight Voucher
This card can be worth holding onto for the first checked bag free, priority boarding, inflight savings, access to Pay With Miles, Amex Offers, and more. In other words, for someone who flies Delta occasionally, I think this is the best card to get, and the benefits can more than offset the annual fee.
Earn 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$0 introductory annual fee for the first year, then $150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Enjoy a $0 introductory annual fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Send money, split purchases, and focus on the moments that matter - with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
- Terms Apply.
Earn
as high as 80,000
Delta SkyMiles
You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
World of Hyatt Business Credit Card
70,000 Bonus Points
- Earn 4x Points at Hyatt Properties
- Complimentary Discoverist Status
- Gift Discoverist Status up to 5 Employees
The World of Hyatt Business Card has a great welcome bonus and a solid ongoing earning structure, with 4x points at Hyatt properties and 2x points in your top three eligible spending categories each quarter. The up to $100 annual Hyatt credit helps make the annual fee worthwhile, which is one of the more straightforward hotel credits offered by any card. The card earns elite nights at a faster rate than the personal version, at one night per $2,000 spent (in the right increments), and uniquely offers Discoverist status for up to five employees. It's best for frequent Hyatt guests who want to earn elite status through spending, business owners who can put the employee status perks to use, or those who already hold the personal Hyatt card and want to earn an additional welcome bonus.
Hyatt Business Card Review →
Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$199
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- 70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Earn
70,000
World of Hyatt Points
70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
Night Award
Marriott Bonvoy Business® American Express® Card
Earn up to 125,000 Marriott Bonvoy® bonus points
Night Award
- Earn 6x points at Marriott
- Free Night Award Annually
- 15 Elite Nights Towards Status Annually
The Marriott Bonvoy Business Card is a strong contender for a business card to hold on to long term. The 15 elite nights towards status (which can be stacked with a similar offer on a personal card), as well as an annual free night award are a great value proposition. I value those perks at way more than the annual fee.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$125
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Earn
up to 125,000
Marriott points
Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
Airline
Atmos™ Rewards Summit Visa Infinite® credit card
Limited-time online offer – 80,000 bonus points
Airline
- 3 points per dollar spent on eligible Alaska Airlines & Hawaiian Airlines purchases
- Earn a Companion Award
- Free Checked Bag Benefit
The Atmos Summit Card is largely a no-brainer for anyone who flies Alaska or Hawaiian with any frequency, values elite status, or redeems Atmos Rewards points regularly. It offers the strongest rewards structure of any card in the lineup, with 3x points on foreign purchases, dining, and Alaska/Hawaiian purchases, plus the fastest card-based path to elite status. The annual 25,000-point Global Companion Award, issued every year just for holding the card, can nearly justify the annual fee on its own.
It's best for points maximizers and Alaska loyalists who want upgrade priority, lounge access, and the tools to earn and redeem at the highest level.
Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
N/A
Annual Fee:
$395
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Limited-time online offer – 80,000 bonus points.
- Get 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
- Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
- Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
- Receive 8 Alaska Lounge passes and 8 Wi-Fi passes every year (2 of each per calendar quarter).
- Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
- Receive an airport security statement credit up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
- Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.
- Plus, no foreign transaction fees and a competitive $395 annual fee.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Limited-time online offer – 80,000 bonus points.
Get 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
British Airways Visa Signature® Card
Earn 75,000 Avios
- 3x Avios per dollar spent on purchases with British Airways
- 10% Discount on British Airways Flights
- Reward Flight Statement Credit
The British Airways Visa offers an excellent welcome bonus, and it can be worth spending money on the card to earn a companion ticket. Beyond that, the card can be worth having for the discounts offered on both paid tickets (up to 10% off) or award tickets (up to $200 in statement credits), which can cover the annual fee over and over.
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 when purchased directly with the hotel.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- 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 when purchased directly with the hotel.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- Member FDIC
Earn
75,000
British Airways Avios
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Citi® / AAdvantage Business™ World Elite Mastercard®
Earn 65,000 miles after qualifying purchases
- Earn 2x AAdvantage miles on eligible American Airlines purchases
- First Checked Bag Free
- American Airlines Companion Certificate
The Citi AAdvantage Business Card offers an excellent welcome bonus with an annual fee that’s waived for the first year. The welcome bonus is great bonus and is a great reason to pick up this card and see how it works out for your small business. Furthermore, the first checked bag free benefit could more than justify the annual fee after the first year for many.
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
Earn 1 AAdvantage® mile per $1 spent on other purchases
Foreign Transaction Fee:
0%
Annual Fee:
$99, waived for first 12 months
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Designed for businesses.
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card.
- Enjoy preferred boarding on American Airlines flights.
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- Earn 1 AAdvantage® mile per $1 spent on other purchases.
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
- No Foreign Transaction Fees.
Earn
65,000
AAdvantage miles
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
United Award Booking
United Club℠ Card
Earn up to 90,000 bonus miles
United Award Booking
- Earn 11x total miles on eligible United flights
- United Club℠ Access
- Earn PQPs Towards Status
The United Club℠ Card card can unlock significant value with the United Club membership alone. When you add in all the other benefits, this card is hard to beat for anyone who travels on United with any frequency.
United Club Card review
NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$695
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 90,000 bonus miles
- NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- Unlimited United Club℠ access for you and a guest - a $750+ value per year
- Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
- Earn up to 20,000-miles in award flight discounts annually
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
Earn
up to 90,000
United miles
Earn up to 90,000 bonus miles
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn an additional 10,000 bonus miles when you add an authorized user within the first 3 months your account is open.
Delta SkyMiles® Reserve Business American Express Card
Earn 80,000 Bonus Miles
- Annual Companion Certificate
- Upgrade Priority
- First Checked Bag Free
This card won’t be for everyone, but if you’re a Delta loyalist who wants to earn MQDs through credit card spend and values SkyClub access, this is a great option. The SkyClub access and companion certificate can more than cover the annual fee, and then there are many other benefits to enjoy.
Earn 3 miles per dollar on eligible Delta purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$650
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- Earn 3 miles per dollar on eligible Delta purchases.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Enjoy your first checked bag free on Delta flights worldwide - and on domestic Delta flights, your second bag flies free too.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
- With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Earn
80,000
Delta SkyMiles
Welcome Offer: Earn 80,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership.
Ink Business Unlimited® Credit Card
Limited Time: Earn $750 $1,000
- Earn unlimited 1.5% cash back on all business purchases
- Car Rental Coverage
- Extended Warranty Protection
The Ink Business Unlimited is the single best rewards credit card for everyday, non-bonused spending, without any sort of caps. The Ink Unlimited is a phenomenal card to consider for the 1.5x points, especially in conjunction with a card earning Ultimate Rewards points.
Earn unlimited 1.5% cash back on every purchase made for your business
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on Purchases for 12 months from account opening, then a 16.74% - 24.74% variable APR
Intro Balance Transfer APR:
N/A
- Earn
$750$1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening - Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Earn
$1,000
Cash Back
Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
Ink Business Cash® Credit Card
Limited Time: Earn $750 $1,000
- Earn 5% Cash Back at office supply stores on the first $25k
- Earn 5% Cash Back on internet, cable TV, mobile phones, and landlines on the first $25k
- Car Rental Coverage
The Ink Business Cash is one of the most rewarding business credit cards out there. The key is that I wouldn’t recommend using this as your primary business credit card for everyday spending. Rather use this as a complement to your overall card portfolio.
The 5x points categories are really spectacular, so use those as much as possible. In conjunction with Ultimate Rewards, I value the 5x points at a return of 8.5%.
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on Purchases for 12 months from account opening, then a 16.74% - 24.74% variable APR
Intro Balance Transfer APR:
N/A
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
Earn
$1,000
Cash Back
Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
Delta SkyMiles® Platinum American Express Card
As high as 90,000 Bonus Miles
- Earn 3x SkyMiles for purchases directly with Delta
- Annual Companion Certificate
- First Checked Bag Free
This is a solid card in terms of the perks for those who fly Delta frequently, especially Medallion members. For many, the annual companion certificate will more than justify the annual fee in and of itself, without even accounting for the other perks.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$350
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- You may be eligible for as high as 90,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Receive a Companion Certificate on a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- $120 Resy Credit: Earn up to $10 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases.
- $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Platinum American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
- Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
- Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.§
- Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- No Foreign Transaction Fees.
- $350 Annual Fee.
- Terms Apply.
Earn
as high as 90,000
Delta SkyMiles
You may be eligible for as high as 90,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Capital One Spark Cash
Limited Time: Earn $1,000 Cash Back + $250 Travel credit
- Earn 2% cash back on all purchases
- No Foreign Transaction Fees
The Capital One Spark Cash is arguably one of the most lucrative cash back business credit card out there. Unlimited 2% cash back is pretty tough to beat, especially if you don’t want to learn the ins-and-outs of redeeming miles. The card also has an excellent welcome bonus, as well as the annual fee waived for the first year.
For a vast majority of businesses, I think a card like this is a great option for earning generous yet straightforward rewards.
Unlimited 2% cash back on every purchase
Foreign Transaction Fee:
$0
Annual Fee:
$0 intro for first year; $95 after that
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- Top rated mobile app
Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening
Southwest Rapid Rewards® Priority Credit Card
Earn 60,000 bonus points
- Earn 4x points on Southwest Airlines purchases
- Earning Southwest Companion Pass
- Anniversary Bonus Points
If you’re eligible for the Southwest Priority Card and fly Southwest with any frequency, then this card is absolutely worth it. I’d argue that this card is a better value overall than the two other Southwest personal cards.
For the card’s annual fee, you’re getting a 7,500-point anniversary bonus annually, and much more.
Southwest Priority Card review
Earn 4 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
Earn 2 points for every $1 you spend at gas stations and restaurants
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$229
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 4 points per $1 spent on Southwest Airlines® purchases, including flights, inflight, and Southwest gift cards.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Select a Preferred seat at booking, at no additional charge, when available.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.
- No foreign transaction fees.
- Member FDIC
Earn
60,000
Southwest Rapid Rewards
Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.
Citi® / AAdvantage® Globe™ Mastercard®
Earn 60,000 miles after qualifying purchases
- Earn 3x AAdvantage miles on eligible American Airlines purchases
- First Checked Bag Free
- No Foreign Transaction Fees
The AAdvantage Globe Card is nicely positioned as a mid-tier American Airlines card, offering a free first checked bag for up to eight companions, preferred boarding, four annual Admirals Club Globe Passes, and a $99 companion certificate every year with no spending requirement. The card also offers up to 15,000 bonus Loyalty Points per year through the Flight Streak perk, earned by flying 12 revenue segments annually, which is a compelling perk for those working toward AAdvantage status without having to put extra spending on the card. Additional credits include up to $100 on inflight purchases, up to $100 in Splurge Credits, and up to $240 in Turo credits, though the Turo credits come in small $30 increments and are hard to get excited about. It's best for moderate American flyers who want meaningful travel benefits and a pathway to Loyalty Points without stepping up to the most premium card in the portfolio, and the strong first year value makes it easy to justify giving it a try.
Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Foreign Transaction Fee:
None
Annual Fee:
$350
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
- American Airlines AAdvantage® bonus miles are not available if you have received AAdvantage® bonus miles for a new AAdvantage® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage® Globe™ account.
- Every calendar year, receive four Admirals Club® Globe™ Passes.
- Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
- Earn 6 AAdvantage® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
- Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
- Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery.
- Earn 1 AAdvantage® miles for every $1 spent on all other purchases.
Earn
60,000
AAdvantage miles
Earn 60,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases in the first 3 months of account opening.
United Quest℠ Card
Earn up to 70,000 bonus miles and 500 PQP
- 10x total miles on eligible United flights
- 2x miles on dining
- Free first and second checked bags
The United Quest Card is arguably the most compelling card in the United lineup, with a moderate annual fee that's easy to justify thanks to $200 in annual United TravelBank cash and a 10,000-mile anniversary award flight discount, which together nearly offset the fee on their own. The rewards structure is solid for a co-branded airline card, with 10x total miles on eligible United flights, 2x miles on all other travel, dining, and select streaming, and 1x miles on everything else, plus free first and second checked bags for you and a companion. There are also credits with Instacart, JSX, rideshare, and Renowned Hotels and Resorts, though maximizing all of them takes some effort given the small monthly increments. It's best for United flyers who redeem miles at least occasionally and want a card with strong perks and an annual fee that's easy to recoup, without stepping up to the much pricier United Club Card.
United Quest Card review
NEW! 10x total miles on eligible United flights and 4x miles on all other eligible United® purchases
1x mile on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$350
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 70,000 bonus miles and 500 PQP
- NEW! 10x total miles on eligible United flights and 4x miles on all other eligible United® purchases
- 1x mile on all other purchases
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 8 weeks of February 1, starting in the calendar year following your account open date.
- Free first and second checked bags--a savings of up to $440 per roundtrip (terms apply)
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
Earn up to 70,000 bonus miles and 500 PQP
Earn 60,000 bonus miles + 500 PQP after you spend $4,000 on purchases in the first 3 months your account is open.
Plus 10,000 bonus miles when you add an authorized user in the first 3 months your account is open.
United℠ Explorer Card
Earn up to 60,000 bonus miles
- Earn 9x total miles on eligible United flights
- First Free Checked Bag
- Two United Club Passes Annually
The United Explorer Card is one of the more benefits-rich airline credit cards at its price point, offering two United Club passes annually, a free first checked bag for you and a companion, priority boarding, and 25% back on inflight purchases. The rewards structure is decent for a co-branded airline card, with 2x miles on dining and hotels, though there are better cards for everyday spending. There are also credits with Instacart, JSX, United Hotels, and rideshare, though maximizing all of them takes some effort given the small increments. It's best for occasional United flyers who don't have elite status and want a reasonably priced card with solid travel perks, and the first-year fee waiver makes it easy to try before committing to the $150 annual fee.
United Explorer Card review
NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases.
2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$0 introductory annual fee for the first year, then $150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn up to 60,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases.
- 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
- Free first checked bag - a savings of up to $200 per roundtrip. Terms Apply. Plus, priority boarding on United® flights.
- 2 United Club one-time passes per year - over a $100 value
- Over $500 in partner credits each year
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
Earn
up to 60,000
United miles
Earn up to 60,000 bonus miles
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Earn an additional 10,000 bonus miles when you add an authorized user within the first 3 months your account is open.
Southwest® Rapid Rewards® Premier Business Credit Card
Earn 60,000 points
- Earn 3x points on Southwest Airlines purchases
- Anniversary Bonus Points
- No Foreign Transaction Fees
The Southwest Premier Business Card is a good entry-level Southwest business credit card with an especially good sign-up bonus, and the annual fee is largely offset by the 6,000 point anniversary bonus.
Earn 3X points on Southwest Airlines® purchases.
Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per year
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$149
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- Earn 3X points on Southwest Airlines® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per year
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Select a Standard or Preferred seat within 48 hours prior to departure, when available.*
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
- No foreign transaction fees.
- Member FDIC
Earn
60,000
Southwest Rapid Rewards
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Delta SkyMiles® Gold Business American Express Card
Earn 60,000 Bonus Miles
- Earn 2x SkyMiles on purchases directly with Delta
- First Checked Bag Free
- Priority Boarding
This card can be worth holding onto for the first checked bag free, priority boarding, inflight savings, access to Pay With Miles, Amex Offers, and more. In other words, for someone who flies Delta occasionally and qualifies for small business cards, I think this is the best card to get, and the benefits can more than offset the annual fee.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per category, per year.
Earn 2 Miles on every eligible dollar spent on purchases made directly with Delta and on every eligible dollar spent at restaurants.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$0 introductory annual fee for the first year, then $150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per category, per year.
- Earn 2 Miles on every eligible dollar spent on purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Enjoy your first checked bag free on Delta flights worldwide for you and up to 8 travel companions in your reservation. Plus, as a Basic Card Member, you can check your second bag for free on domestic Delta flights.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- NEW: Earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold Business Card to pay for U.S. rideshare purchases with select providers. That's up to $120 back annually. Enrollment required.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Earn
60,000
Delta SkyMiles
Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Airline
Aeroplan® Credit Card
Earn 60,000 bonus points
Airline
- 3x points on groceries
- 3x points on dining
- 3x points with Air Canada
The Chase Aeroplan Card is one of the most lucrative airline credit cards we've seen. The card offers a great welcome bonus, an innovative rewards structure, and perks like elite status with Air Canada Aeroplan. This is an airline credit card that's worth picking up, and that could be worth spending money on.
3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Air Canada directly.
1x points for each dollar spent on all other purchases.
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 60,000 bonus points
- Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
- Member FDIC
Earn
60,000
Aeroplan points
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$195
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Earn 5% cash back on Lyft rides now through September 30, 2027.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Earn
$1,000
Cash Back
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Delta SkyMiles® Platinum Business American Express Card
Earn 70,000 Bonus Miles
- Earn 3x SkyMiles for purchases directly with Delta
- First Checked Bag Free
- Annual Companion Certificate
This is a solid card in terms of the perks for those who fly Delta frequently, especially Medallion members. For many, the annual companion certificate will more than justify the annual fee in and of itself, without even accounting for the other perks.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Earn 1 Mile on every eligible dollar spent on other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$350
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- Your first checked bag flies free on international and domestic Delta flights. And now, your second checked bag flies free on domestic Delta flights too.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- With the $120 Resy Credit, earn up to $10 per month in statement credits at over 10,000 qualifying U.S Resy restaurants for eligible purchases using your enrolled Card.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Earn
70,000
Delta SkyMiles
Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Capital One Spark Cash Select
Earn a $750 bonus
- 1.5% cash back on all purchases
- No Annual Fee
- No Foreign Transaction Fees
If you're looking for a no annual fee business card, there's not another card that offers this rate of return all with no foreign transaction fees.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere – with no limits or category restrictions
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Foreign Transaction Fee:
None
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Earn
$750
Cash Back
Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Annual Free Night
IHG One Rewards Premier Credit Card
Earn 140,000 Bonus Points
Annual Free Night
- Earn up to 26x at IHG Hotels
- Anniversary Free Night
- IHG One Rewards Platinum Elite Status
The IHG Premier Card is a card that I highly recommend getting. Not because it makes sense to put a lot of spending on the card long term (especially with the recent devaluation of points), but because the anniversary free night certificate can be worth way more than the ongoing annual fee.
Add in the IHG Platinum status, fourth night free on award redemptions, Global Entry, TSA PreCheck® or NEXUS Statement Credit, and more, and this card is a no-brainer. Add in the great bonus at the moment, and the card is even more valuable.
I know some people are opposed to having a lot of credit cards, but often it can make sense to have some cards just for the perks they offer, even if they’re not worth spending much money on. This is one of those cards.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
Earn 3 points per $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 140,000 Bonus Points after spending $3,000 in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG® Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
- Member FDIC
Earn
140,000
IHG Rewards Points
Earn 140,000 Bonus Points after spending $3,000 in the first 3 months from account opening.
Southwest Rapid Rewards® Plus Credit Card
Earn 50,000 bonus points
- Earn 2x points on Southwest Airlines purchases
- Anniversary Bonus Points
- Earn Southwest Companion Pass
The Southwest Plus Card is a solid entry-level airline credit card. If you want a credit card from Southwest and want as low of an annual fee as possible, then this card could make sense for you.
You’ll receive a 3,000 point bonus on your cardmember anniversary every year, and that gets you airfare worth over half of your annual fee. However, beyond that there’s not much benefit to this card, other than if you intend to put spending on the card.
Southwest Plus Card review
Earn 2 points per $1 spent on Southwest Airlines® purchases
Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
Earn 1 point for every $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2 points per $1 spent on Southwest Airlines® purchases
- Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.
- Select a Standard seat within 48 hours prior to departure, when available.
- Earn 1 point for every $1 spent on all other purchases.
- No foreign transaction fees.
- Member FDIC
Earn
50,000
Southwest Rapid Rewards
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Annual Free Night
IHG One Rewards Premier Business Credit Card
Earn 140,000 Bonus Points
Annual Free Night
- Earn up to 26x at IHG Hotels
- Anniversary Free Night
- IHG One Rewards Platinum Elite Status
The IHG Premier Business Card is easy to justify, since the anniversary free night certificate alone is consistently worth more than the annual fee, and can be topped off with additional points to redeem at more expensive properties. The card also comes with IHG Platinum status, a fourth night free on award redemptions (usable an unlimited number of times), and up to $50 in United TravelBank Cash per year. There are further incentives to spend on the card, including a $100 statement credit plus 10,000 bonus points for spending $20,000 in a calendar year, and IHG Diamond status for spending $40,000. It's best for anyone who stays at IHG properties with any frequency, and is particularly compelling alongside the personal version of the card, since holding both means earning two free night certificates per year without any spending requirement.
Earn up to 26 total points per $1 spent when you stay at an IHG hotel.
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants.
Earn 3 points per $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG® Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn
140,000
IHG Rewards Points
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Cash Back
Citi Double Cash® Card
Earn $200 after qualifying purchases
Cash Back
- Earn 1% cash back when you make a purchase, earn 1% cash back when you pay for that purchase
The Citi Double Cash has been my go-to card for everyday spending for a while, and I love it. I use the card to earn ThankYou points. The flexibility this card offers in this environment is unrivaled. The no-annual fee card can earn you the equivalent of two cents or two transferrable points for every dollar you spend (after paying the bill).
Earning either cash back or travel rewards efficiently is the kind of flexibility consumers should be looking for nowadays, and there’s no other card as well-rounded as this. Furthermore, when you combine the Citi Double Cash with the Citi Strata Premier Card, you’re looking at one of the best card combos with one low annual fee.
1% cash back when you make a purchase
1% cash back when you pay for that purchase
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3%
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn
$200
Cash Back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Drugstores
Chase Freedom Unlimited®
Earn a $200 Bonus
Drugstores
- Earn 3% Cash Back on Dining
- Earn 3% Cash Back at Drugstores
- Earn 1.5% Cash Back On All Other Purchases
The Freedom Unlimited is the credit card that I’ve spent the most money on over the past few years. It’s a vital card as part of an overall strategy for earning Chase Ultimate Rewards points, especially in conjunction with the Sapphire Preferred or Sapphire Reserve.
Let me make my advice as concise as possible here: if you have the Sapphire Preferred or Sapphire Reserve, then you absolutely should have the Freedom Unlimited so you’re maximizing your return on everyday, non-bonused spending. Earning 1.5x Ultimate Rewards points per dollar is excellent.
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
Enjoy 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 18.24% - 27.74%.
Intro Balance Transfer APR:
Enjoy 0% Intro APR for 15 months from account opening on balance transfers, then a variable APR of 18.24% - 27.74%.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
United Gateway℠ Card
Earn up to 40,000 bonus miles
- 5x total miles on eligible United flights
- Earn 2x MileagePlus miles on gas station purchases
- No Foreign Transaction Fees
While I think there’s big value to be had with premium credit cards that have annual fees, I know many people prefer cards with no annual fees. The United Gateway Card is a solid no annual fee airline credit card, and I’d say in the long term it compares on par to the products offered by American and Delta.
United Gateway Card review
5x total miles on eligible United flights and 2x miles on all other eligible United® purchases
2x miles at gas stations, on local transit and commuting
1x mile on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$0
Intro Purchase APR:
0% intro APR for 12 months from account opening on purchases, and then 19.74% - 28.24%, based on your creditworthiness
Intro Balance Transfer APR:
N/A
- Earn up to 40,000 bonus miles
- 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
- 5x total miles on eligible United flights and 2x miles on all other eligible United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Earn 2 checked bags after you spend $10,000 in a calendar year
- NEW! Save 10% or more on flights booked with miles after spending $10,000 in a calendar year
- Member FDIC
Earn
up to 40,000
United miles
Earn up to 40,000 bonus miles
Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
Earn an additional 10,000 bonus miles when you add an authorized user within the first 3 months your account is open.
Easy Hotel Status
Hilton Honors American Express Surpass® Card
Earn 130,000 Hilton Honors Bonus Points
Easy Hotel Status
- Earn 12x points on eligible Hilton purchases
- Hilton Honors™ Gold Status
- Free Night Reward With Spending
The Hilton Honors Surpass Card is an excellent mid-range card that offers a great bonus for new members. On top of that, the Hilton Surpass offers valuable ongoing perks. The card can be worth having for Hilton Honors™ Gold Status alone, and it could also be worth putting $15,000 or $40,000 of spending on per year for the threshold bonuses.
Even if you don’t stay at Hiltons that often, the value of free breakfast and upgrades will add up quickly.
Earn 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.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$150
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
- Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 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.
- Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn
130,000
Hilton Honors Points
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
Hotel
Hilton Honors American Express Card
Earn 80,000 Hilton Honors Bonus Points
Hotel
- Earn 7x points on eligible Hilton purchases
- Hilton Honors™ Silver Status
- Hilton Honors™ Gold Status With Spending
The Hilton Honors Card from American Express is a great no annual fee card. The card has an excellent welcome bonus offer, offers 3-7x points per dollar spent, gets you Hilton Honors™ Silver status, and gives you access to Amex Offers.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
- No Annual Fee.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors Silver Status with benefits like a 20% Bonus on Base Points earned on stays, fifth night free on standard room reward stays with 100% Points, and more.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn
80,000
Hilton Honors Points
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
IHG One Rewards Traveler Credit Card
Earn 80,000 Bonus Points
- Earn up to 17X at IHG Hotels
- No Foreign Transaction Fees
- Fourth Night Free On Award Redemptions
The IHG Traveler Card has no annual fee, a great welcome bonus, plus valuable perks like a fourth night free. This isn’t a card I would put much spending on, though, as there are more rewarding cards for everyday spending.
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts.
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants.
Earn 2 points per $1 spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 80,000 Bonus Points after spending $2,000 in the first 3 months from account opening.
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
- Member FDIC
Earn
80,000
IHG Rewards Points
Earn 80,000 Bonus Points after spending $2,000 in the first 3 months from account opening.
Cash Back
Bank of America® Premium Rewards® credit card
60,000 ONLINE BONUS POINTS OFFER
Cash Back
- Unlimited 2 points per $1 spent on travel and dining purchases
- Unlimited 1.5 points per $1 spent on purchases made everywhere else
- Up to $100 in Airline incidental and up to $100 in Airport Security Statement credits
On the surface, the Bank of America Premium Rewards Card is a pretty average mid-range card, offering 2x points on travel and dining and 1.5x on everything else. But it becomes a best-in-class option when combined with Bank of America's BofA Rewards™ program, where those maintaining qualifying balances unlock a rewards bonus that can push the card as high as 3.5% back on travel and dining and 2.625% back on all other spending at the top Premier tier ($1,000,000+ in combined balances). At the more attainable Preferred Honors tier ($100,000+), that's 3% and 2.25% respectively — still an excellent flat rate, just not the headline number. The $100 annual airline incidental credit is enough to offset the annual fee on its own, and a TSA PreCheck or Global Entry credit sweetens the deal further. It's best for those who have, or are willing to consolidate, significant assets with Bank of America or Merrill, and want the highest possible flat-rate cash back on everyday spending.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
Foreign Transaction Fee:
None
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Low $95 annual fee.
- Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
- Turn daily purchases into everyday wins. Simply use your Premium Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at BofA Travel.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
Royal ONE Plus™ Visa Signature® credit card
60,000 bonus points online offer
- Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases
- Earn 1 point per dollar spent on all other purchases
For frequent cruisers loyal to the Royal Caribbean family of brands, the Royal ONE Plus™ Visa Signature® offers solid value that easily justifies its $99 annual fee. Between the 4x earning on eligible cruise purchases, 2x on everyday categories like dining and groceries, the annual spending bonus, and perks like priority boarding and a Global Entry credit, the card can easily make sense for Royal Caribbean loyalists. Just remember that points are redeemable toward Royal Caribbean brands, so this card makes the most sense if you're already committed to the cruise line. Others should consider a more flexible rewards card.
Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
N/A
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- 60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
- Earn 4x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
- Earn 2x points on eligible airline, hotel, dining, grocery, gas and EV charging station purchases.
- Earn 1 point per dollar spent on all other purchases.
- Receive a $200 cruise discount after spending $20,000 on purchases within the prior anniversary year.
- Embark with priority suite boarding and priority luggage.
- Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
- Get up to $120 in Global Entry/TSA Precheck® statement credits every 4 years.
- Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
- Low annual fee of $99 and no foreign transaction fees.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Earn
60,000
points
60,000 bonus points after spending $2,500 on purchases within the first 90 days of account opening, redeemable for $600 in onboard credit or cruise discounts.
avianca lifemiles American Express® Card
Get 40,000 Welcome bonus miles*
- 2x miles on avianca or lifemiles purchases
- 2x miles on restaurant purchases
- 2x miles on groceries
Earn 2x miles on avianca or lifemiles purchases
Earn 2x miles on groceries and restaurant purchases
Earn 1x on all other eligible purchases
Foreign Transaction Fee:
N/A
Annual Fee:
$99
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 2x miles on avianca or lifemiles purchases
- Earn 2x miles on groceries and restaurant purchases
- Earn 1x on all other eligible purchases
- Receive avianca lifemiles silver elite status
- No foreign transaction fees (See Rates & Fees)
- *See Offer Terms
Earn
40,000
Lifemiles
Get 40,000 Welcome bonus miles*
40,000 miles after spending $3,000 in the first 90 days from account opening
The Hilton Honors American Express Business Card
Earn 130,000 Hilton Honors Bonus Points
- Earn 12x points on eligible Hilton purchases
- Hilton Honors™ Gold Status
- Hilton Honors™ Diamond Status With Spending
The Hilton Business Card is the only co-brand business card offered by Amex and Hilton, and it offers some fantastic perks.
Just for having the card you get Hilton Honors™ Gold Status, which should more than justify the annual fee after just a couple of stays. On top of that, the card can be worth spending money on, for Hilton Honors™ Diamond Status.
Even if you don’t stay at Hiltons that often, this card is well worth it, in my opinion.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$195
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Earn
130,000
Hilton Honors Points
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
Marriott Bonvoy Bold® Credit Card
Earn 45,000 Bonus Points
- Earn 3x points at Marriott
- Complimentary Silver Elite Status
- 5 Elite Nights Towards Status Annually
As the no-fee Marriott co-brand card, with no foreign transactions, this card is a nice alternative if you want to keep your Marriott points alive without having to worry about annual fees. The 5 Elite Night Credits each calendar year helps you achieve a higher level of status with Marriott.
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X point for every $1 spent on all other purchases.
Foreign Transaction Fee:
$0
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 45,000 Bonus Points after qualifying purchases.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
- Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
- Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Member FDIC
Earn
45,000
Marriott points
Earn 45,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card!
The Blue Business® Plus Credit Card from American Express
Earn 15,000 Membership Rewards® points
- 2x points on purchases up to $50k then 1x
- Access to Amex Offers
If you’re into collecting points then the Blue Business Plus Card is an absolute must. Earning 2x Membership Rewards points (on up to 50k/year and then 1x), which I value at a ~3.4% return, is unrivaled. Best of all, you’re getting all of this with a no annual fee card that earns points that can be transferred to airline and hotel programs.
Blue Business Plus Card Review →
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
No annual fee
Intro Purchase APR:
0% on purchases for 12 months from the date of account opening, then a 16.74% - 28.49% variable APR
Intro Balance Transfer APR:
N/A
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Earn
15,000
Membership Rewards Points
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Bilt Palladium Card
50,000 Bilt Points + Gold Status offer
- 2X points on everyday purchases
- Earn up to 1.25X points on rent and mortgage payments
- $400 Bilt Travel Hotel credit
The Bilt Palladium Card is the crown jewel of the Bilt lineup, offering 2x points on everyday purchases, a 50,000-point welcome bonus, a Priority Pass membership, $200 in annual Bilt Cash, and up to $400 in hotel credits each year. The combination of a flat 2x earning rate with using Bilt Cash for the spending accelerator feature can push daily earning rates to a consistent 3x for a majority of purchases.
While the annual fee is steep, the math very much checks out for the right type of card holder. It's best for high spenders and those with significant housing payments who can extract maximum value from the premium perks and the broader Bilt ecosystem.
Earn up to 1.25X points on rent and mortgage payments with no transaction fee, and 2X points on everyday spend.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$495
Intro Purchase APR:
10% for the first 12 billing cycles after account opening
Intro Balance Transfer APR:
N/A
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Earn
50,000
Bilt Rewards
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
The American Express Blue Business Cash™ Card
Earn a $250 statement credit
- 2% cash back on the first $50k then 1% thereafter
- Access to Amex Offers
If you have a small business and are looking for a no annual fee, straightforward business credit card that earns cash back, then the Blue Business Cash is pretty tough to beat, at least for the first $50,000 spent.
Blue Business Cash Review →
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
No annual fee
Intro Purchase APR:
0.0% intro APR on purchases for 12 months from the date of account opening, then a 16.74% - 28.49% variable APR
Intro Balance Transfer APR:
N/A
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Citi Strata℠ Card
Earn 20,000 bonus Points after qualifying purchases
- Earn 2x Points at Restaurants
- Intro APR On Purchases & Balance Transfers
- No Annual Fee
The Citi Strata Card is a no annual fee card that punches well above its weight, offering 3x points on supermarkets, gas, transit, and a self-select category you can customize each quarter, plus 2x points on dining. On its own, the card has some limitations, including a 3% foreign transaction fee and reduced transfer ratios to airline partners. Where it really shines is as part of a broader Citi ThankYou setup, since pairing it with a higher tier Strata card unlocks full 1:1 transfer ratios across all partners, including American AAdvantage. It's best as a complement to one of the premium Citi cards, filling in bonus categories like supermarkets and transit while adding no annual fee drag to your overall card strategy.
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Foreign Transaction Fee:
3%
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Intro Balance Transfer APR:
0% Intro APR on balance transfers for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Earn
20,000
ThankYou Points
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Blue Cash Preferred® Card from American Express
As High As $300 cash back*
- 6% Cash Back at U.S. Supermarkets
- 6% Cash Back On U.S. Streaming
- 3% Cash Back On Transit
If you spend a lot on groceries and want to earn cash back, then the Blue Cash Preferred is for you. Personally, I don’t have this card because I value earning rewards towards travel, but for those who don’t want to get involved in the complexities of miles & points, this is an excellent card.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
$0 intro annual fee for the first year, then $95
Intro Purchase APR:
0% for 12 months on purchases from the date of account opening, then a variable rate, 19.49% - 28.49%
Intro Balance Transfer APR:
0% for 12 months on balance transfers from the date of account opening, then a variable rate, 19.49% - 28.49%
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
Royal ONE™ Visa Signature® credit card
30,000 bonus points online offer
- Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
- Earn 2x points on eligible grocery, gas and EV charging station purchases
- Earn 1 point per dollar spent on all other purchases
Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
Earn 2x points on eligible grocery, gas and EV charging station purchases.
Earn 1 point per dollar spent on all other purchases.
Foreign Transaction Fee:
N/A
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- 30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
- Earn 3x points on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases.
- Earn 2x points on eligible grocery, gas and EV charging station purchases.
- Earn 1 point per dollar spent on all other purchases.
- Receive a $100 cruise discount after spending $10,000 on purchases within the prior anniversary year.
- Enjoy priority boarding through the Royal ONE Rewards℠ designated access line on boarding day (where available).
- Redeem your points for cruise discounts or onboard credit to use toward cruise favorites like specialty dining, beverage packages, Wi-Fi, shore excursions and more on Royal Caribbean, Celebrity Cruises and Silversea.
- Enjoy benefits like Visa Signature® Concierge, emergency cash worldwide, common carrier travel accident insurance and more with the Visa Signature card.
- No annual fee and no foreign transaction fees.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Earn
30,000
points
30,000 bonus points after spending $1,500 on purchases within the first 90 days of account opening, redeemable for $300 in onboard credit or cruise discounts.
Delta SkyMiles® Blue American Express Card
Earn 10,000 bonus miles
- Earn 2x SkyMiles on purchases directly with Delta
- 20% Delta Inflight Savings
- No Foreign Transaction Fees
I appreciate that American Express and Delta offer a no annual fee option with the Delta Blue Amex. For someone absolutely committed to getting a Delta Amex Card and not paying an annual fee, this is the best/only option.
The card has no foreign transaction fees, offers 2x miles on dining, and gives you access to Pay With Miles and 20% discounts on inflight purchases.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
None
Annual Fee:
$0
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
- No Annual Fee.
- Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
- Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive 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.
- No Foreign Transaction Fees.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn
10,000
Delta SkyMiles
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Business Green Rewards Card from American Express
Earn 15,000 Membership Rewards® points
- Access to Amex Offers
In general, I see what American Express is going for with the Green Rewards Card. This is a great mid-range business card from American Express that earns Membership Rewards points, with a modest annual fee.
- 2x Membership Rewards points for each dollar of eligible purchases made when booking on the American Express Travel website
- 1x Membership Rewards points on all other purchases
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7%
Annual Fee:
$95
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases on the Business Green Rewards Card within the first 3 months of Card Membership
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way
- From travel to top brands, and everything in between - use Membership Rewards® points on the reward that means the most to you
- $95 Annual Fee
- Terms & Limitations Apply
Earn
15,000
Membership Rewards Points
Earn 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases on the Business Green Rewards Card within the first 3 months of Card Membership
Blue Cash Everyday® Card from American Express
As High As $200 cash back*
- 3% Cash Back at U.S. Supermarkets*
- 3% Cash Back at U.S. gas stations*
- 3% Cash Back on U.S. online retail purchases*
If you’re looking for a no annual fee personal American Express cash back card, the Amex Blue Cash Everyday Card is as good as it gets. The card offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and a solid welcome offer, plus it gives you access to Amex Offers.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
$0
Intro Purchase APR:
Enjoy 0% intro APR on purchases for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
Intro Balance Transfer APR:
Enjoy 0% intro APR on balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
Hotel
Marriott Bonvoy Brilliant® American Express® Card
Earn 150,000 Marriott Bonvoy® bonus points plus a $250 statement credit. Offer ends 09/30/2026.
Hotel
- Earn 6x points at Marriott hotels globally
- Complimentary Marriott Bonvoy® Platinum Elite Status
- Annual Free Night Award
The Bonvoy Brilliant Card is Marriott’s most premium credit card. The card has a hefty annual fee, but offers perks like an up to $300 calendar year dining statement credit, Marriott Bonvoy® Platinum Elite status, and annual free night certificate valid at a property costing up to 85K points, which should more than justify the annual fee.
Add in all the money-saving offers available with Amex Offers, and you should easily come out ahead with this card.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
Earn 2X points on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$650
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 150,000 Marriott Bonvoy® bonus points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
- Earn 2X points on all other eligible purchases.
- Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
- $300 Brilliant Dining Credit: With the $300 Brilliant Dining Credit, you can get up to $25 per month each calendar year in statement credits for eligible purchases at restaurants worldwide when you pay with your Marriott Bonvoy Brilliant® American Express® Card.
- With complimentary Marriott Bonvoy® Platinum Elite status, earn up to 5X points from Marriott Bonvoy® on eligible hotel purchases with the 50% Bonus Points on stays benefit.
- Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to your Marriott Bonvoy Brilliant® American Express® Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Each calendar year, receive 25 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
- With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™, with an unlimited number of visits to over 1,300 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or in-between flights. You can enjoy snacks, drinks and internet access in a comfortable location.
- Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- No Foreign Transaction Fees on international purchases.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn 150,000 Marriott Bonvoy® bonus points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.
Verizon Visa Card
Earn up to $100 in Verizon credit
- Earn 4% back on gas purchases
- Monthly Verizon Credit
- No Foreign Transaction Fees
The Verizon Visa Card is definitely niche, in the sense that it’s only for Verizon customers, and you’re rewarded in Verizon Dollars. That being said, for Verizon customers this card seems like it could absolutely be worth it:
- Since the card has no annual fee, you can come out ahead just by having the card, thanks to the TravelPass credits, and the rewards for paying your Verizon Wireless bill
- The rewards structure is extremely competitive for a no annual fee card with no foreign transaction fees, as you’re earning 4% back on gas and grocery store purchases, and 3% back on dining
- Yes, on the surface Verizon Dollars aren’t as valuable as cash back, but if you’re a Verizon customer then you should almost view it as being good as face value; cell phone bills aren’t cheap, and neither are new phones or tablets, which people spend a lot of money on
The Verizon Visa Card offers Verizon Dollars as its rewards, as follows:
- Earn 4% back on gas and grocery store purchases
- Earn 3% back on dining purchases, including takeout
- Earn 2% back on Verizon purchases
- Earn 1% back on all other eligible purchases
Annual Fee:
$0
N/A
N/A
Earn
$100
Cash Back
The Verizon Visa Card is offering a new member bonus of up to $100:
- You’ll receive this over the course of 24 months, as you’ll get a $4.17 credit applied to your monthly bill
- This only applies if you pay your bill with the Verizon Visa Card
Bilt Blue Card
$100 of Bilt Cash offer
- Earn up to 1.25X points on rent and mortgage payments
- No Annual Fee
- No Foreign Transaction Fees
The Bilt Blue Card is a no-frills entry point into the Bilt ecosystem, offering 1x points on everyday purchases and the option to earn 4% back in Bilt Cash, with a modest $100 Bilt Cash welcome bonus. Authorized users can be added at no cost, making it accessible for households. With competing cards offering 2x points on general spending, though, it's hard to get too excited about this option. It's best suited for those who want to try out Bilt without any heavy commitment to the ecosystem.
Bilt Blue Card Review →
Earn up to 1.25 points on rent and mortgage payments with no transaction fee, and 1 point on everyday spend.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$0
Intro Purchase APR:
10% for the first 12 billing cycles after account opening
Intro Balance Transfer APR:
N/A
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 1X points on everyday spend.
- Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
- Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits)
Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Bilt Obsidian Card
Earn $200 Bilt Cash when you apply and get approved.
- Earn up to 1.25X points on rent and mortgage payments
- 2X points on travel
- No Foreign Transaction Fees
The Obsidian Card steps things up with 3x points on either dining or groceries, 2x points on travel, and a $100 annual hotel credit through the Bilt travel portal. Its $200 Bilt Cash welcome bonus is a nice touch, and authorized users can be added for $50 each. It's best for moderate spenders who concentrate their spending heavily in dining or groceries and travel.
3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
2X points on travel
1X points on everyday spend
Learn more from these OMAAT posts:
Foreign Transaction Fee:
$0
Annual Fee:
$95
Intro Purchase APR:
10% for the first 12 billing cycles after account opening
Intro Balance Transfer APR:
N/A
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
- 2X points on travel
- 1X points on everyday spend
- Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Marriott Bonvoy Bevy® American Express® Card
Earn 125,000 Marriott Bonvoy® Bonus Points Plus A $150 Statement Credit. Offer ends 9/30/26.
- Earn 6x points at Marriott hotels globally
- Complimentary Gold Elite Status
- 1,000 Bonus Points Per Stay
The Marriott Bonvoy Bevy Card is designed to be the best card for earning Bonvoy points on spending, with 6x points on eligible purchases at hotels participating in Marriott Bonvoy®, 4x points on up to $15,000 in combined restaurant and U.S. supermarket purchases per year (and then 2x), and 2x points on everything else eligible. The card also offers 1,000 bonus points per paid eligible Marriott stay, Marriott Bonvoy® Gold Elite Status , and 15 elite nights toward status annually. That said, the free night award requires spending $15,000 on the card in a calendar year, which is a notable drawback compared to other Marriott cards that offer the certificate just for being a cardmember. Ultimately, this is considered the weakest card in the Marriott portfolio for the annual fee, and those who stay at Marriott properties with any frequency would likely be better served by either the no-frills Boundless Card or the more premium Brilliant Card.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
Earn 2X points on all other eligible purchases.
Foreign Transaction Fee:
None
Annual Fee:
$250
Intro Purchase APR:
N/A
Intro Balance Transfer APR:
N/A
- Earn 125,000 Marriott Bonvoy® bonus points plus a $150 statement credit after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
- Earn 4X points at restaurants worldwide and U.S. Supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
- Marriott Bonvoy® 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy®. Terms apply. See www.marriott.com/loyalty/terms/default.mi for more information.
- Earn up to 18.5X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status.
- With complimentary Marriott Bonvoy® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy® American Express® Card in a calendar year. 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.
- 15 Elite Night Credits: Each calendar year, receive 15 Elite Night Credits towards the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express.
- Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- Plan It® is a payment option that lets you split up large purchases into monthly installments with a fixed fee. A fixed monthly fee is shown upfront so you'll know exactly how much you'll pay. Plus, you'll still earn rewards for the purchases you plan the way you usually do.
- $250 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn 125,000 Marriott Bonvoy® bonus points plus a $150 statement credit after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.