Mr. Money Mustache Top Credit Cards From Our Partners

Welcome to MMM Credit Card HQ!

By Brandon Cronan, Mr. Money Mustache Contributor

This list* is curated by travel hacker and fellow Mustachian Brandon Cronan. At the bottom of the list you’ll find a brief intro to him and his blog where you can learn more about the credit card bonus a.k.a. the travel hacking game. If you’re new to the game and find the whole thing a bit overwhelming you can reach out to Brandon via his blog at abeardabroad.com.

Top Recommended Cards:

Recently Increased, New or Limited Time Bonuses:

  • card_nameCardName
    Limited time: Earn $200 cash back after spending $1,500 within the first 6 months
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  • card_nameCardName
    Limited time: Earn 80,000 points after spending $4,000 in the first 3 months (Citi is a CardRatings advertiser)
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  • card_nameCardName
    Limited Time: 100,000 points after spending $4,000 within the first 3 months (offer ends 11/2/22)
    More Details

Featured Cards:

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 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. No foreign transaction fees. Redeem your miles directly to book travel or request a refund for travel you've booked on this card. That means that if you charge air, bus, taxi or hotel expenses to this card, you can submit a request for those expenses to be credited back to your account. This card offers great flexibility as the benefits are not tied to any single travel company.

Each dollar you spend is worth two miles, which essentially means you get 2% back on all purchases. You can fly any airline, stay at any hotel, anytime and you don't have to worry about blackout dates. Plus you can transfer your miles to numerous leading travel loyalty programs

Credit needed: CreditScoreNeeded

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Limited Time Offer: Earn 100,000 bonus Marriott Bonvoy points after making $4,000 in purchases on your new card within the first three months (offer ends 11/2/22). Cardholders get complimentary Gold Elite status. Additionally, users earn six points for every $1 spent at participating Marriott Bonvoy hotels; four points per $1 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; and two points per $1 on all other eligible purchases.

There's an annual fee of AnnualFees, but this cost is easily offset with the Free Night Award (valued up to 35,000 points) that’s awarded each year after your card renewal month. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year and enjoy a 7% discount off standard rates for reservations of standard guest rooms Marriott Bonvoy participating hotels when you book directy. Terms and Conditions Apply.

Credit needed: CreditScoreNeeded

Rewards Credit Cards for Cash Back

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Here’s a fun fact: this card earns you cash back when you buy and when you pay! With the CardName you’ll earn 1% cash back when you buy, plus 1% cash back as you pay for those purchases (you must make at least the minimum payment on time to earn cash back). And the best part of all is that you’ll earn unlimited cash back on every purchase made – and there’s no annual fee. Furthermore, for a limited time, you can earn $200 cash back when you spend $1,500 in the first six months.

There’s also an introductory offer of 0% APR for 18 months on balance transfers; after that the variable APR will be RegAPR, based on your creditworthiness. Be aware though that there is a balance transfer fee: BalanceTransferFees

Credit needed: CreditScoreNeeded

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Earn a $350 statement credit after you spend $3,000 in purchases on your new card within the first six months.

This card has an ongoing rewards earning rate of 6% at U.S. supermarkets (up to $6k spent annually, then 1%) and 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit including taxis/rideshares, bus and train fares, tolls, parking and more; and 1% cash back on other purchases.

AnnualFees annual fee

Credit needed: CreditScoreNeeded

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New cardholders can rack up $200 cash back after spending $500 in the first three months. That's a solid cash-back bonus for minimal spend.

With this card you’ll 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. There's no annual fee and you won’t be charged foreign transaction fees, so feel free to take your food hobby global.

Credit needed: CreditScoreNeeded

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Enjoy a $200 cash-back bonus after spending just $500 on purchases in the first three months. On an ongoing basis, use this card to earn 1.5% cash back on all your purchases everyday with no spending caps or specific categories to keep up with and rest assured knowing your points won’t expire for the life of the account. Enjoy a 0% intro period of 15 months on purchases and balance transfers (3% fee on the amounts transferred within the first 15 months). After the intro period, the interest rate goes to RegAPR.

No annual fee.

If you’re looking for a good card to take abroad, this one fits the bill as you won’t be charged foreign transaction fees, but you will receive travel accident protection against covered incidents as well as rental car collision coverage. Not bad perks at all for a card that doesn’t charge an annual fee.

FAIR CREDIT, STILL REWARDING: If you’re someone with CreditScoreNeeded credit who is looking for a rewards card, you could consider the CardName. It charges a AnnualFees annual fee but still offers 1.5% cash back on every purchase. discontinued

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For the crowd that likes to buy their ketchup in bulk, but also wants cash back things like gas and travel, this is the card for you. There's no annual fee (besides your Costco membership fee) and cardholders earn 4% cash back on up to $7,000 annually of eligible gas and EV charging purchases; 3% back at restaurants and on eligible travel purchases; 2% back on purchases and Costco and Costco.com; and 1% back on other purchases.

Cash back earned is awarded annually in the form of a credit card reward certificate that can be redeemed for cash or merchandise at U.S. Costco warehouses.

Credit needed: CreditScoreNeeded

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A unique no-annual-fee card that allows users to select two categories from a list of several each quarter in which they’ll earn 5% cash back on the first $2,000 in combined spending in those categories. Additionally, earn 5% back on prepaid air, hotel and car reservations booked directly through the Rewards Travel Center, 2% back in an "everyday" choice category such as gas or at grocery stores, and earn 1% back on all other eligible purchases.

Earn a $200 cash-back bonus after you spend $1,000 on purchases within the first 120 from account opening.

Credit needed: CreditScoreNeeded

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A simple no-annual-fee cash-back card for your business. Earn a $250 statement credit when you spend $3,000 in the first three months. On an ongoing basis, earn 2% cash back on all eligible purchases, up to $50k per calendar year and 1% after that. Cash back earned is automatically credited to your account statement.

You can also take advantage of an introductory 12 months no interest on purchases. After the intro, the APR becomes RegAPR

Credit needed: CreditScoreNeeded

Balance Transfer/Intro 0% APR Cards

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Thanks to an intro 0% APR on balance transfers for 21 months from date of first transfer (all transfers must be completed in four months) as well as 12 months on purchases from date of account opening, this card is ideal for anyone looking to consolidate and get rid of existing debt without incurring high interest, or for a person planning to make a big purchase and who needs some extra time to pay it off. Regular APR of RegAPR applies after the introductory periods expire.

Using this card doesn’t earn traditional rewards like miles or points; however, saving money on interest charges could be worth more than rewards to you right now. With no annual fee to worry about, this card could make a nice addition to your wallet.

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Enjoy a $200 cash-back bonus after spending just $500 on purchases in the first three months. On an ongoing basis, use this card to earn 1.5% cash back on all your purchases everyday with no spending caps or specific categories to keep up with and rest assured knowing your points won’t expire for the life of the account. Take advantage of an introductory 15 months no interest on purchases and balance transfers (3% fee on the amounts transferred within the first 15 months). After the intro period, the interest rate goes to RegAPR.

No annual fee.

If you’re looking for a good card to take abroad, this one fits the bill as you won’t be charged foreign transaction fees, but you will receive travel accident protection against covered incidents as well as rental car collision coverage. Not bad perks at all for a card that doesn’t charge an annual fee.

Rewards Credit Cards for Travel

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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months.

This premium travel card offers plenty of perks and rewards earning opportunities to help you offset a relatively low annual fee for a premium card. Cardholders can earn up to $300 per year in statement credit for purchases through Capital One Travel and up to $100 for your Global Entry or TSA PreCheck application fee. Plus, take advantage of airport lounge access across the Priority Pass network worldwide (and the Capital One Lounge). Earn 10X miles on hotel and rental car bookings through Capital One Travel and 5X miles on airfare bookings through the portal. Earn a solid 2X miles on all your other purchases. Annual fee is AnnualFees.

Credit needed: CreditScoreNeeded

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 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. No foreign transaction fees. Redeem your miles directly to book travel or request a refund for travel you've booked on this card. That means that if you charge air, bus, taxi or hotel expenses to this card, you can submit a request for those expenses to be credited back to your account. This card offers great flexibility as the benefits are not tied to any single travel company.

Each dollar you spend is worth two miles, which essentially means you get 2% back on all purchases. You can fly any airline, stay at any hotel, anytime and you don't have to worry about blackout dates. Plus you can transfer your miles to numerous leading travel loyalty programs

Credit needed: CreditScoreNeeded

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The no-fee little sister to the CardName above. Get 20,000 bonus miles, equal to $200 in travel, after spending $500 in three months. No annual Fee. No foreign transaction fee. Your miles can be redeemed as cash back in the form of statement credits for travel expenses. That means that if you charge air, bus, taxi or hotel expenses to this card you can submit a request for those expenses to be credited back to your account. Plus, you can transfer your miles to numerous leading travel loyalty programs. Each dollar you spend is worth 1.25 miles.

Credit needed: CreditScoreNeeded

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With excellent rewards earning on everyday purchases as well as some attractive statement credits, this card flies under the radar, but offers solid value. Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel as well as at gas stations and EV charging stations; 2X points on streaming services, grocery delivery, restaurants and at grocery stores; and 1X points on all other eligible purchases. Additionally, save with a $30 credit for annual streaming purchases like those with Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max and more.

Earn 50,000 bonus points after spending $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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As the only credit card that automatically rounds up to the nearest 10 points on every purchase with no cap, this card is a great way to earn rewards fast. Earn two ThankYou Points at supermarkets and gas stations for the first $6,000 you spend with the card in those categories each year, and then one point beyond that, as well as on every other purchase you make. Because of the point roundup, a $2 coffee would earn 10 points, a $26 dinner 30, etc.

Earn 20,000 bonus ThankYou Points after making $1,500 in purchases within the first three months, worth $200 in gift cards at thankyou.com. Additionally, for a limited time, you can earn five points per $1 spent at restaurants up to $6,000 spent in your first 12 months (then, one point per $1 thereafter)

There is a no annual fee, and as an added bonus, you’ll get 10% of your points back for the first 100,000 ThankYou Points you redeem per year. For example, if you redeem 50,000 points, you’ll get 5,000 points back.

Credit needed: CreditScoreNeeded

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American Express Membership Rewards are highly valued among the travel rewards-seeking community. You'll earn 60,000 Membership Rewards points after you spend $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.. Also earn 4X the Membership Rewards points at U.S. supermarkets (on up to $25,000 in purchases per year, after which you earn 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Your benefits continue with the ability to 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. Plus, 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 required for select benefits.

Annual fee: AnnualFees

Credit needed: CreditScoreNeeded

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Earn 100,000 Membership Rewards points after you spend $6,000 on purchases on your new card in your first six months of card membership. Also, enjoy five points per $1 spent on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year) as well as on hotel stays booked through amextravel.com.

The AnnualFees annual fee is significantly offset by an up to $200 airline fee credit for baggage fees and more with one pre-selected airline and up to $200 Uber savings annually. In fact, cardholders can enjoy benefits worth more than $1,400. Cardholders also can enjoy complimentary airport lounge access around the globe. Enrollment required for select benefits. 

Credit needed: CreditScoreNeeded

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For a limited time, rake in 80,000 bonus ThankYou Points after you spend $4,000 in the first three months of card membership.

The annual fee is AnnualFees.

The current bonus offer is higher than we’re used to seeing on this card, so it’s a great time to apply if you’ve been looking for a general travel rewards credit card. Plus, ThankYou Points are transferable to a number of airline loyalty programs or redeem your points through the ThankYou Travel Center. Plus, you can earn 3 points per dollar spent at restaurants and supermarkets, as well as at gas stations and on air travel and hotel purchases, and 1 point per dollar on all other purchases.

Rewards Credit Cards for Hotels

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This is the rare no-annual-fee hotel rewards card and it’s a good one.

Earn seven Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands; earn five points per $1 at U.S. supermarkets, U.S. gas stations and U.S. restaurants; and earn three points per $1 on everything else.

Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card in the first three months of card membership. Plus, you can earn up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership.

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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 is AnnualFees.

In addition to the rewards you’ll earn on your Hilton stays as well as on your business and travel purchases (among other purchases), you can also earn two weekend night stays per calendar year. Earn your first night after spending $15,000 and earn another night by spending an additional $45,000 in the same calendar year. You’ll also receive 10 complimentary airport lounge visits each calendar year after a one-time enrollment for Priority Pass Select.

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Limited Time Offer: Earn 100,000 bonus Marriott Bonvoy points after making $4,000 in purchases on your new card within the first three months (offer ends 11/2/22). Cardholders get complimentary Gold Elite status. Additionally, users earn six points for every $1 spent at participating Marriott Bonvoy hotels; four points per $1 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; and two points per $1 on all other eligible purchases.

There's an annual fee of AnnualFees, but this cost is easily offset with the Free Night Award (valued up to 35,000 points) that’s awarded each year after your card renewal month. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year and enjoy a 7% discount off standard rates for reservations of standard guest rooms Marriott Bonvoy participating hotels when you book directy.

Rewards Credit Cards for Airlines

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Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in the first three months with your card. There is a nice bonus on this card, so it could be a good time to apply. Earn two AAdvantage® miles for every $1 spent at gas stations, restaurants and on eligible American Airlines purchases. Also earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card.

Annual fee: AnnualFees

There are no foreign transaction fees and your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. Enjoy preferred boarding on American Airlines flights and receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.

Credit needed: CreditScoreNeeded

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Earn 50,000 AAdvantage® bonus miles after you spend $5,000 in purchases within the first three months of opening your account.

AnnualFees annual fee not waived for the first year.

This card provides Admirals Club® airport lounge access for you and guests with you, so if you really love that Admiral's Club®, this may be the card for you. Additionally, it also reimburses you with up to a $100 credit for your Global Entry or TSA Pre✓® application fee every 5 years. You and up to eight traveling companions can check your first bags for free on domestic itineraries and you'll enjoy priority boarding privileges as well.

Credit needed: CreditScoreNeeded

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Rack up two AAdvantage® miles per $1 on your everyday purchases at grocery stores (including grocery delivery services) and on your American Airlines purchases. Earn one mile per $1 on everything else.

No annual fee.

Earn 10,000 bonus miles and save on your bill with a $50 statement credit after spending $500 on your new card within the first three months.

Credit needed: CreditScoreNeeded

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Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. It's a decent time to apply if that fits into your plans.

Annual fee: AnnualFees

You and up to four traveling companions can check the first bag for free on domestic itineraries. You will also receive a 25% discount on your in-flight WiFi purchases when you use your card. Reward flights are available for as little as 7,500 miles so the intro bonus alone could be enough for multiple round-trip tickets.

Credit needed: CreditScoreNeeded

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Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first three months.

AnnualFees Earn 2X miles on Delta purchases, at restaurants worldwide (plus delivery and takeout in the U.S.) and at U.S. supermarkets, and 1X mile on all other eligible purchases. Check your first bag free on Delta flights.

Credit needed: CreditScoreNeeded

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Earn 50,000 bonus miles and 5,000 MQMs after you spend $2,000 in purchases on your new card in your first three months.

Earn 3X miles on Delta purchases and purchases made directly with hotels and 2X miles at restaurants worldwide (including takeout and delivery in the U.S.) and at U.S. supermarkets. Earn 1X mile on all other eligible purchases.

You can more than offset the AnnualFees annual fee thanks to the Companion Certificate you can earn each year upon the renewal of your card. (Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights - for itineraries with up to four flight segments - is required. Baggage charges and other restrictions apply. See terms and conditions for details.)

Credit needed: CreditScoreNeeded

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Earn 50,000 bonus miles after you spend $2,000 in purchases on your new card in the first three months.

AnnualFees.

Take advantage of perks such as a free checked bag and priority boarding. Additionally, you get to, essentially, take $100 off your next Delta flight - after you spend $10,000 in purchases on your card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel. That "bonus" opportunity is available each year, which is always nice to see.

Credit needed: CreditScoreNeeded

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Earn 60,000 bonus miles and 5,000 MQMs after spending $3,000 in the first three months.

Rewards: Get closer to Medallion® status with Status Boost™. Spend $25,000 in purchases on the card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion status and are different from the miles you earn toward flights. 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 of AnnualFees.

Check your first bag for free plus enjoy priority boarding and 20% savings on eligible in-flight purchases in the form of a statement credit.

Credit needed: CreditScoreNeeded

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Earn 10,000 bonus miles after you spend $500 in purchases on your new card in your first three months. On an ongoing basis, earn 2X miles per dollar at restaurants, now worldwide, as well as on Delta purchases. Earn 1X mile on all other eligible purchases. That’s a nice earning rate for a branded card that doesn’t charge an annual fee.

Branded cards that offer you more than one mile per $1 spent on anything outside of the brand are fantastic options for people who do appreciate the discounted or free reward flights from time to time, but don't really fly enough to rack up miles on purchases with the airline alone.

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This elite business card is for the truly Delta loyal business travelers.

Earn 60,000 bonus miles and 10,000 MQMs after spending $4,000 in the first three months.

With Status Boost, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your new card in a calendar year, up to four times per year getting you closer to Medallion Status.


*We've recently lost the ability to list any credit card deals from Chase on this page. While we don’t agree with Chase’s corporate policy on this, they do offer some pretty sweet credit cards which can be found on other parts of the internet. So reader beware: this is a truncated list of credit cards and we cannot claim to have all of the best card offers available on the market.

Author Bio: This page is curated by Brandon Cronan. When Brandon is not working as a project engineer he uses the principles of badassity combined with credit card bonuses and other travel hacks to enjoy extended mini-retirements in exotic locations around the world. On his most recent twelve-month hiatus he used frequent flyer miles to visit Croatia, Bosnia and Herzegovina, Turkey, Spain and Portugal, paying only the fuel surcharge and miscellaneous taxes.

Follow him on Twitter for credit card updates. 


For rates and fees of American Express cards mentioned in this post, please see the following links: CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees)

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