Rewards Credit Card Offers From Our Partners

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Welcome offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel. Annual fee is AnnualFees.

Analysis: Remember, you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus you can transfer your miles to a number of travel loyalty programs.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn one-time $200 cash bonus when you spend $500 on purchases in the first 3 months after account approval. Enjoy an intro 15 months no interest on purchases and balance transfers (then, RegAPR; 3% fee on the amounts transferred within the first 15 months).

AnnualFees annual fee.

Analysis: Unlimited 1.5% cash back makes this an attractive card for everyday spending and the welcome offer when you reach the minimum spend is an added bonus. Plus, unlike many cash-back rewards cards, this one doesn’t charge foreign transaction fees, so feel free to take it along on your travels abroad. Credit needed: CreditScoreNeeded

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Before Chase launched this business credit card, it talked to small business owners about what they needed in a card. Much of what Chase learned made its way into the card– that research and the resulting features make this card worth taking a long look at.

New cardholders earn 100,000 Chase Ultimate Rewards points after spending $8,000 in the first three months. The rewards opportunities remain lucrative: Earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping, among others. After meeting the cap, and on all your other purchases, you earn one point per $1 spent. Annual Fee is AnnualFees

Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card).

Credit needed: CreditScoreNeeded

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This card offers 60,000 bonus points after spending $4,000 in the first three months, worth $750 when redeemed for travel through the Ultimate Rewards portal or perhaps even more when transferred to one of Chase’s hotel or airline loyalty program partners including United, Southwest and Hyatt. The card also offers you 5 points per $1 on travel booked through the Ultimate Rewards portal; 3 points on dining (including eligible takeout and delivery), on select streaming services, on online grocery store purchases (excluding Target, Walmart and wholesale clubs); 2 points on travel; and 1 point per $1 on everything else.

Annual Fee: AnnualFees

Analysis: This is a good offer from this card.

Credit needed: CreditScoreNeeded

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Bonus: Earn 60,000 bonus Ultimate Rewards points after spending $4,000 in the first three months. All your points are worth 50% more when you redeem them for travel through Ultimate Rewards, so those 60,000 bonus points are worth $900 in travel that way.

AnnualFees annual fee; an additional $75 for each authorized user.

Analysis: This luxury card made quite a splash when it debuted in 2016. While the annual fee is hefty, you get a lot for the money.

Take advantage of up to a $300 reimbursement each account anniversary year for travel expenses like airfare or hotel stays charged to your card, access to more than 1,300 airport lounges worldwide, a chance to earn five points on flights and 10 points on car rentals and hotels when you book through the Ultimate Rewards portal (on purchases not eligible for the annual travel reimbursement), three points per $1 spent on dining and other travel that isn’t eligible for the annual travel reimbursement and one point per $1 on everything else, and a number of other luxury perks and benefits. Plus, remember that those points are worth 50% more if you redeem them for travel.

Credit needed: CreditScoreNeeded

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Bonus: Earn a $200 bonus after spending $500 with your card in the first three months.

annual fee.

Analysis: Earn 5% cash back on travel purchased through the Chase Ultimate Rewards portal; 5% cash back on up to $1,500 spent in categories that rotate quarterly (you must activate each quarter); 3% cash back at restaurants, including takeout and delivery; 3% cash back on drugstore purchases; and 1% cash back on all other eligible purchases.

Credit needed: CreditScoreNeeded

Information related to Chase Freedom Flex^SM has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back.

AnnualFees annual fee.

Analysis: Earn 5% cash back on travel purchased through the Ultimate Rewards portal, 3% back at restaurants and drugstores and 1.5% cash back elsewhere. The Ultimate Rewards from CardName are transferable to other Chase Ultimate Rewards cards so you can combine them with points earned with a CardName, CardName or other participant cards which will, in some cases, make those points more valuable.

Credit needed: CreditScoreNeeded

EDITOR’S NOTE: Chase also offers a number of transferable points credit cards for small businesses. These cards also accumulate rewards as Chase Ultimate Rewards points. You can read about these in the Small Business Credit Cards section below.

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Welcome offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.

Analysis: Capital One entered the luxury card market with this card and they did it with a bang. The annual fee is lower than most cards in the premium card category AND it’s a top card for authorized users. That’s because you don’t have to pay an extra fee to add authorized users; plus, your authorized users get their own Priority Pass Select membership, meaning they can utilize lounges without the primary cardholder. Otherwise, this card offers the same flexible reward redemptions and transfer partners as other cards in the Venture family, making it a simple card to use.

Credit needed: CreditScoreNeeded

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Welcome offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.

Analysis: Remember, you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus you can transfer your miles to a number of travel loyalty programs.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn a bonus of 20,000 miles once you spend $500 on purchases within three months from account opening. There is no annual fee on this card.

20,000 miles = $200 of statement credits for completely flexible travel.

Analysis: This is a fine welcome offer for this card.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 80,000 Membership Rewards bonus points when you spend $8,000 in the first six months.

Annual fee: AnnualFees

Analysis: The annual fee is significant, though you can significantly offset that with a $200 airline fee credit each year with a pre-selected airline plus other annual credits and savings – more than $1,400-worth in your first year, in fact. Enrollment required for select benefits.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 60,000 Membership Rewards bonus points when you spend $3,000 in the first six months. Plus, you can earn 20% back on eligible travel and transit purchases made during your first six months, up to $200 back as statement credit. Information related to the American Express Green Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.

Annual fee: AnnualFees

Analysis: This card has an impressive array of benefits given the low(ish) annual fee. Furthermore, the everyday rewards earning opportunities are solid (3x on travel; transit; and eligible restaurant purchases worldwide, including takeout and delivery in the U.S.).

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases with your new card within the first six months.

Earn 4X Membership Rewards points at restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Additionally, you can earn up to $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. This is an annual savings of up to $120.

You can also earn $120 in Uber Cash. Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

Enrollment is required for select benefits.

AnnualFees annual fee.

Analysis: This card has undergone a complete overhaul. If the new features work for you, it could be a fantastic card to have in your wallet.

Credit needed: CreditScoreNeeded

EDITOR’S NOTE: American Express offers a number of transferable points cards for small businesses that utilize the Membership Rewards program. Read more about them in the Small Business Credit Cards section below.

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(Citi is a CardRatings.com advertiser)

Bonus: Receive 60,000 bonus ThankYou Points after you spend $4,000 in the first three months of account opening. Plus, for a limited time, earn 10 ThankYou Points per $1 spent on hotels, car rentals and attractions (excluding air travel) booked through the Citi Travel portal through June 30, 2024.

Annual fee: AnnualFees

Analysis: When it comes to ongoing rewards, you’ll earn three times the points on at restaurants and supermarkets as well as at gas stations, hotels and on air travel, and one point per $1 spent on your other purchases. Overall, this is a solid travel rewards card that has just gotten better thanks to some recent updates and offers.

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Bonus: Earn 20,000 bonus ThankYou Points after making $1,500 in purchases within the first three months. Plus, earn 5 ThankYou Points per $1 spent on hotels, car rentals and attractions booked via the Citi Travel portal through June 30, 2024.

AnnualFees annual fee

Analysis: This is an interesting card in that Citi rounds the rewards for each purchase you make up to the nearest 10 points. That means your $4 coffee is worth 10 ThankYou Points. You earn two points per $1 spent at supermarkets and gas stations up $6,000 spent in a year and one point per $1 spent on everything else. Remember, though, that all your purchases’ rewards round to the nearest 10 points. Also, you’ll receive 10% of your points back for the first 100,000 points you redeem in a year.

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Bonus: $300 statement credit after you spend $3,000 in the first three months.

Annual Fee: AnnualFees

Analysis: For most people, you’re going to be better served with a general travel rewards card even if your travel goal is a trip to a Disney park. That’s because your redemption options are restricted with this card and much more flexible with a general travel rewards card. However, this card does offer some nice perks for the truly Disney passionate, and the option to redeem your rewards for statement credit to cover air travel is a nice touch.

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Bonus: $300 cash back after you spend $3,000 in the first three months.

Annual Fee: AnnualFees. No foreign transaction fees.

Analysis: Capital One seemed to have food lovers in mind with this card as it rewards you with 4% cash back on dining and entertainment as well as 2% cash back at grocery stores and 1% on everything else. Plus, that cash-back bonus is a nice appetizer to your ongoing rewards.

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Bonus: Earn a one-time $200 cash bonus after spending $500 in the first three months.

Annual Fee: AnnualFees annual fee and no foreign transaction fees.

Analysis: You can think of this card as the little sibling of the CardName. It has a similar focus on food, but a slightly lower earning rate, a lower bonus offer and no annual fee. You earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases. If you want to dip your toe into the world of cash-back rewards but aren’t ready for an annual fee, this could be a great option for you.

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Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

Analysis: Solid cash back card with some appealing bonus categories: 6% at U.S. supermarkets (up to $6,000 spent per year, then 1%) and on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit including taxis/rideshares, bus and train fares, parking, tolls and more; and 1% cash back on other purchases.

AnnualFees

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

Analysis: Solid cash back card with some appealing bonus categories: Earn 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent in each category per year, then 1%), and 1% back on other eligible purchases. The welcome offer and everyday rewards-earning opportunities make this an attractive card.

AnnualFees annual fee.

Credit needed: CreditScoreNeeded

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Analysis: Unlimited 2% cash back (1% when you buy, another 1% when you pay) with no annual fee makes this card a real winner! This card also offers an intro 0% APR on qualifying balance transfers for the first 18 months (then, RegAPR). This card basically rewards your good financial habits, so it’s one worth having in your wallet.

Credit needed: CreditScoreNeeded

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Earn $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.

AnnualFees annual fee.

Analysis: The Ultimate Rewards from the CardName are transferable to any other Chase card that is part of the Ultimate Rewards program, meaning that your points could be worth more or could be combined with points earned on your other cards in order to increase your rewards redemption opportunities.

Credit needed: CreditScoreNeeded

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Before Chase launched this business credit card, it talked to small business owners about what they needed in a card. Much of what Chase learned made its way into the card– that research and the resulting features make this card worth taking a long look at.

New cardholders earn 100,000 Chase Ultimate Rewards points after spending $8,000 in the first three months. The rewards opportunities remain lucrative: Earn three points per $1 on up to $150,000 spent in select business categories each year (as determined by your account anniversary) including travel and shipping, among others. After meeting the cap, and on all your other purchases, you earn one point per $1 spent. Annual Fee is AnnualFees

Among several other appealing features is cell phone protection for the primary number as well as all your employee phones on the same account (as long as you pay your bill on the card).

Credit needed: CreditScoreNeeded

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This member of the Ink family can really be viewed as a no-annual-fee complement to the other cards in the Ink family since it’s a flat-rate cash-back rewards card that can be used to earn 1.5% cash back on all your purchases that don’t earn higher cash back with the CardName.

Earn $900 cash back after you spend $6,000 in the first three months of card membership. Additionally, you can take advantage of an intro 12 months zero interest on purchases (then, RegAPR). And, remember, you’ll earn an unlimited 1.5% cash back on every purchase.

Credit needed: CreditScoreNeeded

Annual Fee: AnnualFees

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Welcome offer: Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first three months of opening an account.

More Rewards: Get 4x Membership Rewards points on the two select categories where your business spent the most each month (4X points applies to the first $150,000 in combined purchases from these two categories each calendar year).

Annual fee: AnnualFees

Analysis: This card has some interesting benefits. A flexible payment option can help manage cash flow on eligible purchases. There is also an airline bonus that you get 25% of your points back when you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 120,000 Membership Rewards bonus points after you spend $15,000 on eligible purchases in the first 3 months.

Rewards: Get 5X Membership Rewards points on flights and prepaid hotels booked on amextravel.com. Earn an extra half-point (so, 1.5 points) per $1 on eligible purchases with U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers as well as on purchases of $5,000 or more (up to a cap), and earn one point per $1 on other eligible purchases.

Annual fee: AnnualFees.

Analysis: The AnnualFees annual fee is significant. But, Amex is giving you 35% of your points back when you Pay with Points for flights paid for through American Express Travel (you must select one airline for economy bookings, but you get 35% back on ALL business and first class flights booked via Pay with Points through Amex Travel, up to 1 million points back annually).

Credit needed: CreditScoreNeeded

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Welcome Offer: There’s no traditional offer, but you can enjoy an introductory 0% interest on purchases for 12 months from account opening (then RegAPR).

Annual fee: AnnualFees

Analysis: One of the best no-annual-fee cash-back cards for business. Its simple earn structure of 2 points per $1 on your first $50,000 spent on eligible purchases annually and 1 point per $1 on your purchases after that is a no-brainer. Plus, you can spend above your credit limit and still collect points on those purchases (the amount you can spend above your limit is not unlimited; it is based on several factors including your payment history, credit history, etc.)

Credit needed: CreditScoreNeeded

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Welcome Offer: There’s no traditional offer, but new cardholders can take advantage of an introductory 12 months of no interest on purchases (then, RegAPR).

Annual fee:

Analysis: The introductory 0% APR period could be just what your business needs to get off the ground or take your next big step. And easy-to-understand cash-back rewards earning of 2% on all your eligible purchases up to $50,000 spent in a calendar year (then 1%) make this an attractive card option.

Credit needed: CreditScoreNeeded

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Welcome offer: Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first three months.

Annual fee: AnnualFees.

Analysis: The regular rewards earning is solid at 2% cash back on every purchase. Credit needed: CreditScoreNeeded

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Welcome offer: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first three months from account opening.

Annual fee: AnnualFees

Analysis: This is an excellent welcome offer as long as you can meet the spending threshold. Plus, the rewards earning is solid at two miles per $1 spent on every purchase and five miles per $1 spent on hotels and car rentals through the Capital One portal.

Credit needed: CreditScoreNeeded

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Limited time offer: Earn 75,000 bonus miles after you spend $6,000 in purchases on your new card in your first six months of card membership. Plus, earn an additional 5,000 bonus miles after you make an eligible Delta purchase with your new card within your first six months. Offer ends 10/25/23.

AnnualFees annual fee.

Analysis: This is a solid offer for this card, so it’s a good time to apply if you’re in the market.

Credit needed: CreditScoreNeeded

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Limited time offer: Earn 90,000 bonus miles after you spend $8,000 in purchases on your new card in your first six months of card membership. Plus, earn an additional 10,000 bonus miles after you make an eligible Delta purchase with your new card within your first six months. Offer ends 10/25/23.

Rewards: With Status Boost, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2X per year getting you closer to Medallion status. MQMs are used to determine Medallion status and are different from the miles you earn towards flights. (Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion status with the card. Learn more at delta.com/skymilesprogramchanges.) You’ll earn 3X miles for every dollar spent on eligible purchases made with Delta and on purchases made directly with hotels; 1.5X miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year; and 1X mile on all other eligible purchases.

Annual Fee: AnnualFees

Analysis: This is a solid offer for this card, and now is a good time to apply if that fits in your plans.

Credit needed: CreditScoreNeeded

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Bonus: Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual fee: AnnualFees

Analysis: This is a decent bonus on this card, so consider applying now if you’re in the market for a new card. Credit needed: CreditScoreNeeded

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Bonus: Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open.

AnnualFees annual fee, not waived the first year.

Analysis: This is a good offer but it’s not the highest we’ve seen with this card; however, these points are among the easiest to redeem as Southwest doesn’t have any blackout dates. This is a great card for domestic business travel and travel in the U.S. generally. Credit needed: CreditScoreNeeded

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Bonus: Earn 80,000 points after you spend $5,000 on purchases in the first three months.

AnnualFees annual fee, not waived the first year.

Analysis: The welcome bonus is a jump start to your earning and will put you within easy reach of earning a coveted Companion Pass for the year.

You have a good opportunity to earn those additional points you need thanks to the ongoing rewards-earning rate of 4 points per $1 spent on Southwest purchases; 3 points with Rapid Rewards hotel and car partners; 2 points per $1 on social media and search engine advertising and internet, cable and phone services; and 1 point per $1 on everything else. Additional perks include a Global Entry or TSA PreCheck application fee credit every four years, in-flight WiFi credits and 9,000 bonus points each year after your account anniversary. Credit needed: CreditScoreNeeded

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Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new card to make $8,000 in purchases within the first six months of card membership. Offer ends 11/1/23.

Annual fee: AnnualFees.

Analysis: The melding of the SPG, Marriott and Ritz-Carlton rewards programs has reached the brands’ credit cards. Frequent business guests of Marriott, Starwood or Ritz-Carlton properties will certainly appreciate the opportunity to earn six times the points on eligible purchases at participating Marriott Bonvoy hotels as well as four times the points at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. All your other eligible purchases earn two points per $1 spent. Enjoy a complimentary night stay (up to a 35,000-point value) each year after your card renwal month. Earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Plus, save with a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy participating properties when you book directly. (Terms and conditions apply).

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Welcome Offer: Earn 130,000 bonus points after spending $3,000 on your new card in the first three months.

Annual fee: AnnualFees annual fee.

Analysis: You have an opportunity to earn up to two free nights with this card – earn your first night after spending $15,000 on the card in a calendar year and earn a second night after spending an additional $45,000 in the same calendar year. That perk is in addition to your everyday rewards earning power of 12X Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio; 6X points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants; and 3X points per $1 on all other eligible purchases. As if all that wasn’t enough for the modest annual fee, you’ll also receive 10 airport lounge visits each year after you enroll in a complimentary Priority Pass Select membership.

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Bonus: Earn 50,000 points when you spend $1,000 in the first three months.

AnnualFees annual fee.

Analysis: These points are among the easiest to redeem as Southwest doesn’t have any blackout dates or seat restrictions! This is an excellent card for family travel and travel in the U.S. generally. And this is a nice bonus to take advantage of.

Credit needed: CreditScoreNeeded

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Bonus: Earn 50,000 points when you spend $1,000 in the first three months.

AnnualFees annual fee.

Analysis: Once again, these points are among the easiest to redeem as Southwest doesn’t have any blackout dates! There are no seat restrictions either. This is a great card for family travel and travel in the U.S. generally.

Credit needed: CreditScoreNeeded

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Bonus: Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first three months of opening an account.

AnnualFees annual fee not waived the first year.

Analysis: Every calendar year you make $30,000 in purchases on your card you’ll earn a Travel Together Ticket good for two years. Furthermore, you earn three Avios per $1 on purchases with British Airways, Aer Lingus, Iberia and LEVEL; two Avios per $1 on hotel accommodations made directly with hotels; and one Avios per $1 on everything else. Additionally, you will also receive 10% off British Airways flights that start in the U.S.

British Airways Avios are some of the most valuable miles out there for their “sweet spot” redemptions on short-haul flights on American Airlines and Alaska Airlines, so they make up an essential part of any well-rounded travel rewards strategy.

Credit needed: CreditScoreNeeded

Hawaiian Airlines World Elite MasterCard®

(This card is not currently available on CardRatings)

Bonus: Earn 70,000 Hawaiian Airlines miles when you spend $2,000 in the first 90 days.

$99 annual fee applies.

Analysis: This is a higher-than-typical offer on this card, so now would be a good time to apply. Furthermore, the card offers nice rewards-earning opportunities on more than just your Hawaiian Airlines purchases. Earn 3x the miles on Hawaiian Airlines purchases; 2x the miles on gas, dining and eligible grocery store purchases; and 1 mile per $1 spent on everything else.

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Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new card in your first six months.

Annual Fee: AnnualFees

Analysis: This is a good offer for this card.

Credit needed: CreditScoreNeeded

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Welcome Offer: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new card in your first six months.

Annual Fee: AnnualFees.

Analysis: This is a nice welcome offer for this card.

Credit Needed: CreditScoreNeeded

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Bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.

Annual Fee: AnnualFees.

Analysis: This is a good offer for this card.

Credit Needed: CreditScoreNeeded

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Bonus: Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is open.

Annual Fee: AnnualFees.

Analysis: This is a nice offer for this card.

Credit Needed: CreditScoreNeeded

See Rates and Fees

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Bonus: Earn 50,000 American Airlines AAdvantage bonus miles after making $2,500 in purchases in the first 3 months with your new card.

Annual Fee: AnnualFees.

Analysis: This is a nice bonus for this card, so now could be a good time to apply if that’s in your plans. Plus, cardholders can also earn a $125 American Airlines flight discount each account membership year you spend $20,000 or more on your card and renew it. Credit needed: CreditScoreNeeded

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Bonus: Earn 10,000 American Airlines AAdvantage miles and receive a $50 statement credit after you spend $500 in the first three months of account opening.

Annual Fee: AnnualFees

Analysis: This is a nice welcome offer for this card.

Analysis: This no-annual-fee airline rewards card is designed for the person who likes a free or reduced cost flight now and then, but doesn’t fly enough to offset any kind of annual fee. In addition to earning two miles per $1 spent on American Airlines purchases, you’ll also earn two miles per $1 on your grocery store and grocery delivery services purchases, making this a solid choice for your everyday credit card. Credit needed: CreditScoreNeeded

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Bonus: Earn 70,000 American Airlines AAdvantage bonus miles after spending $7,000 within the first three months of account opening. AnnualFees annual fee is steep but could be well worth it for the right cardholder.

Other Noteworthy Benefits: Admirals Club lounge access and up to a $100 statement credit (every 5 years) for Global Entry or TSA PreCheck application fees.

Analysis: This is a great bonus on this card, so now is a great time to apply if that fits into your plans and budget. Credit needed: CreditScoreNeeded

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Bonus: Earn 60,000 points after you spend $3,000 on purchases in the first three months your account is open.

AnnualFees annual fee, not waived the first year.

Analysis: This is a good offer but it’s not the highest we’ve seen with this card; however, these points are among the easiest to redeem as Southwest doesn’t have any blackout dates. This is a great card for domestic business travel and travel in the U.S. generally.

Credit needed: CreditScoreNeeded

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Bonus: Earn 80,000 points after you spend $5,000 on purchases in the first three months.

AnnualFees annual fee, not waived the first year.

Analysis: The welcome bonus is a jump start to your earning and will put you within easy reach of earning a coveted Companion Pass for the year (accumulate 135,000 points to earn the pass).

You have a good opportunity to earn those additional points you need thanks to the ongoing rewards-earning rate of 4 points per $1 spent on Southwest purchases; 3 points with Rapid Rewards hotel and car partners; 2 points per $1 on social media and search engine advertising and internet, cable and phone services; and 1 point per $1 on everything else. Additional perks include a Global Entry or TSA PreCheck application fee credit every four years, in-flight WiFi credits and 9,000 bonus points each year after your account anniversary. Credit needed: CreditScoreNeeded

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Limited time offer: Earn 75,000 bonus miles after you spend $6,000 in purchases on your new card in your first six months of card membership. Plus, earn an additional 5,000 bonus miles after you make an eligible Delta purchase with your new card within your first six months. Offer ends 10/25/23. .

AnnualFees annual fee.

Analysis: This is a solid offer for this card, so it’s a good time to apply if that fits your plans.

Credit needed: CreditScoreNeeded

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Limited time offer: Earn 90,000 bonus miles after you spend $8,000 in purchases on your new card in your first six months of card membership. Plus, earn an additional 10,000 bonus miles after you make an eligible Delta purchase with your new card within your first six months. Offer ends 10/25/23.

Rewards: With Status Boost, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2X per year getting you closer to Medallion status. MQMs are used to determine Medallion status and are different from the miles you earn towards flights. (Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion status with the card. Learn more at delta.com/skymilesprogramchanges.) You’ll earn 3X miles for every dollar spent on eligible purchases made with Delta and on purchases made directly with hotels; 1.5X miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year; and 1X mile on all other eligible purchases.

Annual Fee: AnnualFees

Analysis: This is a solid offer for this card, so it’s a good time to apply if that fits in your plans.

Credit needed: CreditScoreNeeded

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Bonus: Earn 50,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.

Annual Fee: AnnualFees.

Analysis: This is a nice offer for this card.

Credit Needed: CreditScoreNeeded

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Bonus: Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual fee: AnnualFees

Analysis: This is a decent bonus on this card, so consider applying now if you’re in the market for a new card. Credit needed: CreditScoreNeeded

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Welcome Offer: For a limited time, earn 100,000 bonus points after spending $3,000 on your new card in the first three months.

AnnualFees annual fee.

Analysis: You’ll be rolling in points in no time since you earn up to 17 points per $1 spent at participating Marriott Bonvoy hotels; 3X total points on up to $6,000 in combined purchases at gas stations, restaurants and grocery stores each year; and two points per $1 on everything else. That’s a solid everyday earning rate for a branded hotel card.

Information related to the Marriott Bonvoy Boundless® Credit Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Bonus: Earn 30,000 Bonus Points after you spend $3,000 on purchases in the first three months from account opening (free night stays start at 5,000 points). Plus, for the first six months you earn two points per $1 on up to $15,000 spent on purchases that normally earn one point per $1.

Receive a free night certificate for a Category 1-4 Hyatt hotel or resort after each card member anniversary. Get complimentary World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year. Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

Earn 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.

Analysis: Since free nights start as low as 5,000 points per night, the 30,000 bonus points could be worth as many as six free nights. Additionally, you’ll earn an extra free night at a Category 1-4 if you spend at least $15,000 on your card during your anniversary year.

Credit needed: CreditScoreNeeded

Information related to The World of Hyatt Credit Card has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer

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Bonus: Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening; plus, earn up to $100 in IHG statement credits on purchases at IHG hotels and resorts for the first 12 months.

AnnualFees annual fee.

Enjoy a reward night after each account anniversary year at eligible IHG hotels and resorts worldwide. Plus, enjoy a reward night when you redeem points for any consecutive four-night stay at an IHG hotel.

Analysis: This IHG card brings some impressive perks and features to the table, starting with that welcome bonus. In addition, the opportunity to earn reward nights when you redeem rewards as well as after each account anniversary is nice. Earn up to 26 points total per $1 spent when you stay at an IHG hotel or resort. Earn 5X points on travel and at gas stations and restaurants and 3 points per $1 on all other purchases.

Credit needed: CreditScoreNeeded

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discontinued All information about the Hilton Honors Surpass Card has been collected independently by Cardratings

Welcome Offer: Earn 130,000 Hilton Honors bonus points after you use your new card to make $2,000 in eligible purchases within the first three months of card membership. Also, on an ongoing basis, you can earn a weekend night stay reward after you spend $15,000 in a calendar year.

AnnualFees annual fee.

Analysis: Earning a weekend night stay each calendar year after you put at least $15,000 on the card should more than offset the annual fee. Furthermore, you earn 12 Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio and six points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations. All your other purchases net you three points per $1 spent making this an easy card with which to rack up points whether staying close to home or traveling far and wide.

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Welcome Offer: Earn 130,000 bonus points after spending $3,000 on your new card in the first three months.

Annual fee: AnnualFees annual fee.

Analysis: You have an opportunity to earn up to two free nights with this card – earn your first night after spending $15,000 on the card in a calendar year and earn a second night after spending an additional $45,000 in the same calendar year. That perk is in addition to your everyday rewards earning power of 12X Hilton Honors bonus points per $1 spent directly with participating properties within the Hilton portfolio; 6X points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants; and 3X points per $1 on all other eligible purchases. As if all that wasn’t enough for the modest annual fee, you’ll also receive 10 airport lounge visits each year after you enroll in a complimentary Priority Pass™ Select membership.

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Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new card to make $8,000 in purchases within the first six months of card membership. Offer ends 11/1/23.

Annual fee: AnnualFees.

Analysis: The melding of the SPG, Marriott and Ritz-Carlton rewards programs has reached the brands’ credit cards. Frequent business guests of Marriott, Starwood or Ritz-Carlton properties will certainly appreciate the opportunity to earn six times the points on eligible purchases at participating Marriott Bonvoy hotels as well as four times the points at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. All your other eligible purchases earn two points per $1 spent. Enjoy a complimentary night stay (up to a 35,000-point value) each year after your card renwal month. Earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Plus, save with a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy participating properties when you book directly. (Terms and conditions apply).