Updated and checked September 2022. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:
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Added Venture 75k, JetBlue 80k, Hawaiian 70k, Alaska LTO, Aeroplan 70k, IHG 140k+FreeNight, Premier 80k. -
Removed United 70k, Delta 70k, Southwest 75k, Citi AA 75k.
This is a companion post to my . Small business bonuses are on average even higher than those on consumer cards.
- 80,000 points (worth $800 in gift cards, or transferrable to miles) after $4,000 in purchases in the first 3 months. See link for details.
- 3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.
- Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
- $95 annual fee.
- 70,000 bonus Aeroplan points. 70,000 points after $3,000 in purchases within 3 months. See link for details.
- Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.
- Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year.
- $100 Global Entry or TSA PreCheck credit.
- $95 annual fee.
- Subject to 5/24 rule.
- 80,000 bonus TrueBlue points after $1,000 in purchases and paying the $99 annual fee, both within 90 days. See link for details.
- First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
- $99 annual fee.
- 3 Free Night Awards (each night valued up to 50,000 points, for a total of 150,000) after $3,000 in purchases within the first 3 months. Limited-time offer. See link for details.
- Free Night after each account anniversary year (valued up to 35,000 Marriott points).
- $95 annual fee.
- Subject to 5/24 rule.
- 140,000 bonus points + Free Night Award (40k) after $3,000 in purchases within the first 3 months. Free Award Night valued at up to 40k points (or pay the difference above 40k). See link for details.
- Additional Free Night after each account anniversary year (valued up to 40,000 IHG points).
- Global Entry or TSA PreCheck® fee credit up to $100 every 4 years.
- $99 annual fee.
- Subject to 5/24 rule.
- 60,000 Ultimate Rewards points (worth $750 minimum towards travel and more) after $4,000 in purchases within the first 3 months. See link for details.
- $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 3x on dining and 2x on all other travel purchases.
- $95 annual fee.
- Subject to 5/24 rule.*
- Upgrade pick: . Higher travel perks including airport lounge access, higher annual fee.
- 75,000 miles (worth $750 towards travel, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
- $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
- Priority Pass airport lounge access. Additional cardholders are free, and also get their own Priority Pass!
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $395 annual fee.
- 75,000 miles (worth $500 towards travel, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
- 2% cash back on ALL purchases.
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $95 annual fee.
- 100,000 Membership Rewards points after $6,000 in purchases in the first 6 months. Plus 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months. See link for details.
- $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Credit, $300 Equinox credit, $100 Shop Saks credit and more annually!
- $100 Global Entry or $85 TSA PreCheck fee credit.
- Premium airport lounge access through the American Express Global Lounge Collection®.
- $695 annual fee.
- 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
- First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
- $0 annual fee for the first year, then $99.
- 50,000 bonus points (worth $500 in statement credits) after $2,000 in purchases within 120 days. See link for details.
- 4X points on travel and gas stations, 2X points on dining and grocery stores.
- Up to $100 statement credit for Global Entry or TSA PreCheck.
- $30 annual streaming bonus.
- $0 annual fee the first year, $95/year thereafter.
- 70,000 Hawaiian miles after first purchase (any amount) within the first 90 days. Any 6 digit promo code works. See link for details.
- Free first checked bag for primary cardmember.
- One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
- $99 annual fee.
(Bank of America)
- 50,000 bonus miles + Companion Fare voucher after $2,000 in purchases within first 90 days. See link for details.
- Companion fare voucher is “Buy one ticket, get one from $121” ($99 fare plus taxes and fees from just $22).
- Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $60 roundtrip per person).
- $75 annual fee.
- 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
- $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
- $120 in annual dining credit at Grubhub, Seamless, and more.
- 4X points at at restaurants.
- 4X points at US supermarkets, on up to $25,000 per year.
- $250 annual fee.
- 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
- 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
- $100 annual Airline Incidental Statement Credit.
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $95 annual fee.
If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on family trips – domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.
* 5/24 Rule? Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.
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