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Welcome offers on rewards cards are constantly changing, so each month, the AwardWallet editorial team assembles the top ten offers that are currently available. The bonus—adjusted for how much the points are worth—get's the most weight. To round out the list, we consider each card's long-term value, application restrictions, and take into account how much spending is required to capture the full bonus.
Here are our top ten cards for July 2020.
Best Rewards Credit Card Offers for July 2020
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
- 2X points on travel and dining at restaurants worldwide
- 1X point per dollar spent on all other purchases
With a stellar sign-up offer of 60,000 bonus points, 2x Ultimate Rewards on travel and dining, and automatic protection for travel and purchases, the Chase Sapphire Preferred® Card provides outstanding value to cardholders. We break down the benefits to show why this card tops the list as the best beginner's travel card.
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
This card has the biggest Ultimate Rewards sign-up offer available, useful 3x bonus categories for small business owners, and an affordable annual fee. See our full card review.
- Free checked bags for you and up to 4 companions on domestic itineraries
- Priority boarding to help you win the race for overhead bin space
- A 25% discount on inflight food, beverage, and Wi-Fi purchases
- Reduced Mileage Awards can save you 7,500 miles on roundtrip MileSAAver Awards
- Earn 2X miles for every $1 spent on cable and satellite providers
- Earn 2X miles for every $1 spent at gas stations
- Earn 2X miles for every $1 spent on select telecommunications merchants
- Earn 2X miles for every $1 spent on car rentals
- Earn 2X miles for every $1 spent on eligible American Airlines purchases
- Earn 1X mile for every $1 spent on all other purchases
Sporting an offer of 65,000 bonus miles after spending $4,000 in purchases within the first 4 months of account opening, this is one of the best AA co-brand card offers currently available. The AA Business Card provides free checked first bags for the cardholder and up to four companions each flight, preferred boarding when you fly American, and you won't pay an annual fee for the first year.
- Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
- Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
- 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL
- 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases.
- 10% off British Airways flights starting in the US
- 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!
- 3X Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL
- 2X Avios per $1 spent on hotel accommodations
- 1X Avios for every $1 spent on all other purchases
The British Airways Visa Signature® Card became far more valuable in late 2019 when it began offering up to $600 in statement credits each year to cover taxes, fees, and surcharges on British Airways award flights. The card comes with a lucrative offer of up to 100,000 bonus Avios when you open a new account. British Airways Executive Club has a generous policy for pooling points with members of your household, making it possible to use points from a shared balance for award redemptions.
The two other rewards cards in the Avios family, the Iberia Visa Signature® Card and the Aer Lingus Visa Signature® Card have similar welcome offers. While Ibera and AerLingus Avios can be harder to use than the British Airways Avios, you can transfer points freely between all three programs using an Avios.com account.
- Earn an introductory companion certificate, good for 1 guest at $99 (plus taxes and fees) after making your first purchase in the first 90 days and paying the $99 annual fee..
- Get $25 back as statement credits on inflight WiFi on American Airlines operated flights.
- Receive 25% inflight savings when you use your card for food and beverages on American Airlines operated flights.
- Earn a companion certificate each anniversary year, good for 1 guest at $99 (plus taxes and fees) after spending $20,000 on purchases and your account remains open for 45 days after your anniversary date.
- Earn 2X miles on American Airlines purchases
- Earn 1X miles on all other purchases
By far the most accessible welcome offer on the list, the Aviator Red requires you to pay the annual fee and make just a single purchase to receive the entire sign-up bonus. You'll also earn an introductory Companion Certificate good for one guest at $99 (plus taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
- Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
- Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
- Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
- Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
- $450 annual fee.
- Terms Apply.
- Rates & Fees
- 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly through select rental companies, and at U.S. restaurants
- 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
This is the best Hilton credit card offer in our books. Cardholders receive Diamond Elite status which qualifies you for free breakfast, 14x points on Hilton spend, a free weekend night each year for holding the card, plus another weekend free night when you spend $60K in a calendar year.
- 3X points per $1 spent on Southwest® purchases
- 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
- 1X point per $1 spent on all other purchases
The highest offer we've seen on the Southwest Performance Business Card, now is the perfect time to start planning out your Southwest Companion Pass strategy for 2020 and beyond. If you can meet both tiers of the minimum spend, you can secure a Companion Pass with a single sign-up bonus.
- 50,000 Miles after spending $3,000 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles on every purchase, plus earn 5 Miles on hotel bookings and car rentals through Capital One Travel
- Fee credit for Global Entry or TSA Pre✔® (up to $100)
- No foreign transaction fees
- $0 for the first year; $95 after that
- 2 Miles per dollar on every purchase, every day.
- 5 Miles on hotels and car rentals through Capital One Travel
The Capital One® Venture® Rewards Credit Card pairs a substantial bonus with a low annual fee, 2x points on every purchase, and possibly the most straightforward points to redeem. For those looking for simplicity, just pay for travel with your card and redeem points retroactively to erase the charge from your statement. For more value, transfer points to 14 airline partners. For trips with a group, you can easily share your points with other Capital One cardholders. Read more about transferring Venture miles to partners in our detailed review.
- 60,000 point signup bonus worth $750 towards airfare through the ThankYou Travel Center, or potentially much more when transferred to airline partners
- 3X points per $1 on travel, including gas stations, plus 2X points at restaurants and on entertainment
- No foreign transaction fees
- $95 annual fee
- 3X points per $1 spent on on travel including gas stations, as well as airfare, hotels, car rental agencies, public transportation, tolls, and parking
- 2X points per $1 spent on dining at restaurants, including many cafes, bars and lounges
- 2X points per $1 spent on entertainment, including sporting events, movie theaters, concerts and more
- 1X points per $1 spent on all other purchases
Sporting a 60,000 point sign-up bonus and a stellar list of transfer partners, the Citi Premier offers some of the best earning-rates for a card with a sub-$100 annual fee. This card tops our list of the best cards for gas & fuel, plus you'll pay no foreign transaction fees.
- Earn 75,000 bonus points after spending $2,000 on purchases within the first three months of account opening
- No Annual Fee
- Earn 15 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
- No Foreign Transaction Fees
- Fourth Reward Night Free
- IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- 15x points total per $1 spent when you stay at an IHG hotel
- 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
- 1X point per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG® Rewards Club Traveler Credit Cardmember
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
Chase's no annual fee IHG card, the IHG Rewards Traveler Card sports a high-value signup bonus of 75,000 bonus points, charges no foreign transaction fees, and you'll get the fourth night free on award bookings.
Final Thoughts
Welcome offers on rewards cards are continually changing, and it can be hard keeping tabs on the latest sign-up bonuses. We update our top-ten offers every month, so if you have a card you think belongs in the list, let us know why in the comments below.
For rates and fees of the cards mentioned in this post, please visit the following links: Hilton Honors American Express Aspire Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Thanks for the info!
Thank you for the information.
I applied today for the Barclays Business AAdvantage card with the offer of 60,000 miles after $1000 in purchases. I would suggest adding that to the list.
Thanks for the feedback, Kevin, the Aviator is a great bonus. Especially for those who don’t have a ton of business spend.
wow. that Barclay’s off is tempting! I agree, it should be on the list.
It is interesting that AA is the only US airline in the USA with two credit card partners.
What about the personal one: 60,000 for your first purchase.
Nice blog! The Chase Sapphire Preferred Card is an amazing product and must have for the serious business traveler.
Chase Ink Buisness is a great card with 80k Ultimate Rewards points plus I get a referral bonus of 20k. That is a great bonus plus 2x rewards on many purchase. Fits well for my business.
This is a very useful list. I’m glad I signed up for the Chase Saphire Reserve card back when the bonus was 100,000 bonus points.
You’re glad… and we’re envious. 🙂 Congrats!
I appreciate the work you all do, it really helps me keep everything going with a minimum of time!
Provide excellent information in order to make decisions on credit cards
Nice job putting these all together to- make it clearer to understand.
thanks!
Very good information about benefits and features of credit cards
Just waiting to get under 5/24.
Me too. I wish AMEX didn’t have the “once in a lifetime” rule.
I know. That’s the the constant annoyance.
I really like the Amex Hilton Ascend card. Gold status has been great on overseas travel.
I love these blog posts. AA is actually where I store all my oneworld points.
I need to double check my 5/24 and see if I am eligible to grab one of the Chase ones.
I applied for an IHG credit card last week, application is pending. I’m wondering how long the process usually takes.
I love how the AwardWallet app helps me to keep essential information at my fingertips
I am also waiting on a reply from IHG card. Glad to know I wasn’t only one not immediately approved.
You can try their reconsideration line. In the past, I’ve gotten good results getting approved that way when my application is pending. Usually they just asked me to move around some of my overall credit limit. Good luck!
Is there a dedicated phone number for the “reconsideration / review” department?
While the signup bonus is not as great, the Chase Sapphire Reserve (50K bonus), might also be a good option for some folks based on their utilization. Although it has a hefty annual fee ($450), the annual $300 travel credit drops it to the equivalent of $150. It also earns 3x points on dining and travel, instead of 2x for the Sapphire Preferred, and also points are worth 25% more than the Sapphire Preferred when using the Chase travel portal. But the main benefit that I see is for those whose home airport has a restaurant that participates in the Priority Pass Program. It enables you to bring up to two guests and each of you get a $28 dining credit for each visit. I generally use this benefit before every trip and travel a couple times each month with my wife which makes it an tremendous savings given the minimal effective fee difference between the Preferred and the Reserve Cards. It might not be the right card for everyone, but if it fits your circumstances it can have incredible value. I have heard that the credit approval requirements are somewhat tougher, so that might be something that needs to be considered.
Thanks for the detailed comment on how you get value from the CSR. It got strong consideration for the list, but we wanted to keep the options diverse for folks who can’t get a Chase card due to 5/24, and the Sapphire Preferred 60k bonus seemed like too good a deal to leave off the list. We appreciate the feedback. We have a detailed review covering the benefits of the Reserve here for those who are curious.
Bill, you said it! I just opened a Chase account with the Reserve card this month, and the benefits are fabulous, completely negating the annual fee in the first year by using the travel credit and paying for Global Entry.
I’m glad the card was considered for inclusion – it’s a great one!
It really depends on where you live. Some may EASILY be able to justify the (new) $550 annual fee while others may not. It just goes to show there is no one size fits all for everyone.
Great cards!!
This is a good list, though I’m surprised the Citi Double Cash Card isn’t included: 2% cash back on any purchase — 1% on purchase and an additional 1% as you pay for the purchase.
This is a great web site to learn about the different credit cards.
There are deals abound. However, none of them are in the same category as the chase sapphire reserve card for 100,000 + points which were the icing on the cake. Hotel reward points are not worth the same as airline reward miles. So 100,000 in hotel points is not a big incentive.
Definitely agree. We’re always on the lookout for those exceptional offers. We usually dedicate a whole post to breaking it down when there is an offer that is much better than normal.
Love Award Wallet and appreciate the service. It would be great if Award Wallet could more easily distinguish between point…for example 1 mile with AA requires 3 miles from Marriott!
Thanks for the feedback Bill! We know not all points have the same value, so we are working on incorporating expected savings and point conversion rates to give you access to all the detail you need to optimize your points strategy.
The Points Guy does this regularly so you could Google that. It’s a great reference point but it’s not to be taken as absolute truth.
5 miles wooo!
I had some good luck recently with Marriott cat 3 redemption, usually hard to find a good use for the annual free night, but got $400/night value at Aloft Scottsdale.
It’s helpful to see all the best credit card offers.
Ink preferred is my favorite! Should open before they lower the signup bonus. Missed it when it used to be 100k bonus…
This is a great synopsis of the best current offers and will help in my selection.
I FIND AWARD WALLET NOT JUST A CONVENIENT WAY TO ORGANIZE MY MILES, BUT A SOURCE OF GREAT DEALS.
Great summary. Good to see this all in one place. Notice CSR isn’t on the list.
Thanks for the tips
I love the tips. Would like more info on the new Marriott Bonvoy. I am Lifetime Titanium and did not know it until I checked in a month ago at a location. No idea what Titanium gets me. Planning a vacation at Marriott Royal Hawaiian in Honolulu on May 11th and it sounds like I get nothing. Extra charge for club level and extra charge for internet and extra charge for bottled water. Does loyalty have value or is it that the Starwood merger needs work?
Hey Robert, I think these two posts might help.
https://awardwallet.com/blog/everything-about-the-marriott-rewards-program/
https://awardwallet.com/blog/the-complete-guide-to-marriott-bonvoy-elite-status/
5 miles
✈️💺
Thank you for reviewing the attractive credit cards, with comparisons and recommendations. This helped me reach a decision more quickly, and start receiving the benefits!
Does anyone know if opening a business card affects your taxes or tax reporting in anyway?
There is no impact to taxes from opening a business card.
award wallet is a great place to keep track of miles/programs-not just a list of miles but updates on expiration,. etc. i have a question: does chase consider business cards?
Hey Leo, business cards don’t count towards the Chase application restrictions. You can learn more here.
Love the Chase cards. Hate the restrictions,
Some great options, thanks
The chase family of personal and business cards are the best ,combine all the points into 1 account. They add up quickly!
Given the recent devaluation of Delta and United FF programs (no more published award charts!!) + AA & UA EQD threshold increases, wondering if airline and hotel loyalty cards are going to still be worth the high interest rates vs. Amex points or 2% back credit cards? Am only keeping AA Citi Mastercard to continue being able to access Admirals Club, but flying less and less so this benefit not really as valuable as it used to be.
I hope you’re not paying interest. Rule number one in the rewards game is to pay your card in full every month.
Always good info.
I have Marriott and Capital One cards. My brain can’t handle any more.
Thanks for all the great info. Why does the Sapphire win out ahead of the Sapphire Reserve?
There’s a breakeven point which will be different for everyone. The CSP will generally be the better card for the casual traveler.
Do you think the personal Freedom Unlimited is preferable to the business version? Given the signup bonus, I’m torn.
It’s hard to say. In terms of total long-term benefit, you really want to get the card for the place where you spend the most on things that don’t get category bonues. For example, if a lot of your personal spending is on airfare, restaurants and groceries, and you have the Amex Gold, you’re getting 3-4X on a lot of personal spending. So maybe the biz card is the place to get 1.5X. For other folks, the opposite might be true. The good news is that you can eventually get both 🙂
Thank you for sharing this information! It is always helpful to know what bonuses are available for different cards that I might want to sign up for.
Too many offers in the pile. Just need to evaluate your own goals and keep focused and not be lured by other offers…it only dilutes your plans!
I am curious why the Sapphire Reserve isn’t included? Why does Sapphire win out over SR?
Thanks.
Hey Deb, thanks for the feedback. We love the CSR. Since some people aren’t eligible for Chase cards, we wanted to keep the list as diverse as possible while still covering some of the best offers. The Sapphire Reserve just missed the cut, but we’ve covered the benefits in detail here
Great site! One stop place to analyze what the current credit cards perks are doing. Thanks for the email notifications as well!
I appreciat e the tips
This is helpful for travel hackers.
Excellent program
Wish I could earn miles faster than I spend them! 😉
good consolidated list, thanks
Appreciate the advice! So easy to compare all CC ad make an educated choice quickly!
This is a great concise list, thanks for posting. I plan on sharing with others too!
Thanks for the credit card summary
I want 5 miles
Happy to help 🙂
really attracted to Capital One Savor Cash Rewards Credit Card but it’s unlike my lol/24 status will allow me to get approved.
Thanks for all the content.
I will take the chase for the 80000 points – it is a very attractive offer and I love to accumulate points or miles.
Thank you for your email , very informative !
Thanks for your website and all the information we can glean from it. Cash back cards are more flexible for anyone and great for those who don’t travel as much as others. Fidelity 2% Back Visa, Citi Double Cash Back (2%) and Chase Freedom Unlimited (3% the first year, then 1.5%) are my favorites that are available. The very best is USAA Limitless Cashback, which offers a flat 2.5% cash back on all purchases with direct deposit to USAA checking. Unfortunately, it is no longer open to new applicants…but who knows if/when it might open up again.
Great site to learn which cards to go with. I’m in the process of changing and trying to decide which card is best for me & there’s a lot of good information available here. Thanks!
Love this listing. will help me determine which card i will sign up for.
Great summary, thanks!
Thanks for compiling these offers!
a great blog! the chase sapphire is such a deal!
This is great information, I have learned a lot from this.
Love this site and especially the good news emails telling me when I have earned more miles.
Hilton Honors is the best. I’ve racked up so many points with HH I’m always looking for chances to earn more.
Thanks for the comparisons…definitely save me time to find the best deal.
FYI, I signed up for Chase Sapphire Preferred when they had 50,000 points offer. I asked them if they can match the current 60,000 points offer and they declined.
Thanks for sharing John, never hurts to try. We appreciate you sharing the data point.
Nice review, but I favor the Chase Sapphire reserve.
Really appreciate Award Wallet!
This is an extremely useful and timely list. I am so pleased with my decision to sign up for the Chase Sapphire Reserve card back at a time when the bonus was 100,000 points.
Completely agree, that 100k bonus was very nice.
I currently run the Reserve and Freedom Unlimited. Do you use any other Chase cards along with that?
Just missing the regular Freedom for 5X the points
I got in about two days before the deadline, then nearly missed the minimum spend due to a snafu with Marriott. I went in to charge my card and prepay a stay but it turned out all they did was put it on file. I called back on the very last day of the signup period and made them run the charge. I just barely got it in but I did. 🙂
Any thoughts on getting a business card without having a large business. I have one as a sole proprietorship, so I can use my social security number, but the revenue is only abbot $15,000. Do you think I would be eligible for a business card with that low revenue? My personal credit score is 820.
Hey Joe, absolutely! We’ve heard from lots of folks in a similar situation that were able to open a business account. If you don’t have a business tax ID (i.e. you’re applying as a sole proprietor) just make sure you list your name as the business name, since it needs to match the tax ID.
Great info! Loving the AwardWallet app!
Great resource for finding information on what credit cards would best meet my travel needs.
Thanks for keeping the information current. Saves me from wasting time looking through outdated offers and terms.
Thanks for making it easy to compare the top cards. Great info
Lots of great Chase cards. Too bad I’m not eligible due to 5/24 rule.
Well, the silver lining is Amex’s once a lifetime rule. It’ll be a little easier to stay under 5/24 if you can only get an AmEx card once.
Very good information about benefits and features of credit cards. Just waiting to get under 5/24
The IHG and Marriott Bonvoy cards are good deals, with their free night every year, although they do limit the level of points made available so the top chain hotels are not eligible for the free night deal.
I own at Marriott. Getting 6 points per $, gets me a ton when I pay my maintenance fees.
5 miles
✈️💺
I am really leaning toward getting the Hyatt card. I know the chain has a limited footprint, but they have some of the best hotels in Europe. And the annual free night is a great benefit.
Great!
Thanks for the valuable information. A wonderful job of synthesizing the best reward cards.
I love my Sapphire Reserve card!
Keep up the good work.
This is a very useful list of cards. Thank you!
Thank you for the information–I love the format which presents information in a concise easy-to-use way.
Thanks for the info, always clear and understandable.
I have looked at many, many cards and frankly I find that the chase sapphire reserve card offers the best value even without the 100,000. One of the best decisions I have made and recommend to others. Please strongly consider it and take a look at the alternatives, but I believe you will find it to be great choice.
I will get the Ink Business Preferred as soon as I am under 5/24!
Waiting to drop below 5/24.
Can I apply for all of these immediately? I WANT THEM ALL!!
Haha, we know how you feel. It’s a good idea to keep your new applications spaced out. New requests for credit is 10% of your credit score, so opening a lot of cards all at once can have a negative impact. You can learn more here. https://awardwallet.com/blog/tips-managing-credit-score/
Just make sure you’re aware of 5/24 and each bank’s restrictions.
Almost overwhelming–
Where has this sight been? I wish I had discovered it years ago. Thanks for all the GREAT info.
These updates are great! Appreciate it very much
thanks for sharing the offers
It’s been quite a while since I’ve seen AMEX Premier Rewards or even AMEX Business Gold cards offers. Do these cards still exist and ever offer large “membership rewards” sign up bonuses?
I am considering the Chase Freedom Card 3% Cash Back is appealing but the turn off is that it is only for one year (then goes to 1.5%). I know that I could keep using my Citi Double Cash (2% cash back and no annual fees) afterward but it still irritates me a little. Thanks!
Great Info here!
I love the award wallet! Great information.
Wonderful summary. Thank you
Thank you! New-ish to the game and looking for my next card, so this is super helpful, timely info.
Thanks for all the great info. Even with all the digs at Bonvoy, I got the card with 15 nights and 80k points.
Don’t expect anything from Chase sapphire travel protection. I had a flight delay which caused me to miss my connecting flight. They refused to do anything about it and I had to pony up another $250 out of pocket to buy a new connecting flight ticket.
Thanks for always being there and making sure I have a safe place for my Boarding Pass! You make traveling easier for me and I’m sure many more people like me.
Thanks again Dan
We have sapphire card and love it
BLUF: Don’t let your miles and points gather dust! Posting to keep my AA miles alive, which were collected during the days of 2-3 browser applications with Citi. I used 200k to take family to Hawaii after initially earned, which was great. However, the other 200k miles have been in my AA account since then just gathering dust. So remember, the points and especially the miles aren’t worth the fair market value blogs quote until you use them. Otherwise, miles are generally being consistently devalued.az they gather dust.
Yep. Inflation is one threat. Devaluation is the other.
Just got the Hilton Ascend card. 150k points and Gold status for $95 sounds good to me. Not sure about the Aspire yet; do not typically stay at Hiltons but now will give the chain a try.
Thanks for the update about the INK card, checking it out! Presently AMEX Delta
interesting top 10 list as always
Thanks for the information.
Thanks for the info!
I just applied for the Chase Sapphire Reserve last night, but have also been eyeing the Capital One Venture card that is on this list…. Helpful info. Thanks, AwardWallet!
My husband signed up for Chase Sapphire Reserve, and we LOVE it! Although he has to pay $450 annual fee, you can get $300 of travel bonus every year, and it’s worth paying the rest of the annual fee. We both are your website’s fans now! Thank you!
Thanks for the updated information!
Sorry for my ignorance, but what do people mean by “5/24”?
Chase’s unofficial official policy is that to be approved for a card, you can’t have opened more than 5 cards in the last 24 months. So you may see some people say “I’m 3/24 right now” meaning they’ve opened three cards in the last 24 months.
This is very helpful. Keep the recommendations coming.
Great run down on the cards. I love my Ink Business Preferred Card!
Good article, though I do not want more than the two cards I already have.
Thanks for the summary!
I know where to check when I am in the market for an airline card because your site provides a great summary and all the research is done for me.
Thank you for this. I’d appreciate the info on the “business” requirements to open the CIP card. Thanks!
Have to try the Venture card for easy miles.
Patiently waiting 2 more months to be below 5/24 so I can apply for the WOH card. Thanks Awardwallet for keeping me current on all the offers!
AwardWallet is amazing to track all of my many miles and points – over 8 million! I don’t often update my credit card collection, though, so I leave many bonuses untouched. Thanks for the info.
The Chase Sapphire Preferred Card offers a great sign on bonus for sure but after that, it’s hard to justify the $95 annual fee. I’m I missing something? 2x returns is not great compared to other cards out there. Please let me know what else there is.
I think the value is in the transfer partners and you get some level of travel insurance too.
Thanks for the updates and newest opportunities to get rewards.
Great post. Do you think Marriott will relax the rules in the next year wrt old cards. Have a Chase card and it sucks that I can’t get an Amex card.
So ditch the Chase card and get the AmEx.
A very good summary. Thanks for all the info.
Even with all the problems, I’m still a big fan on Marriott. Thanks for the info on those credit cards.
Thanks for the great overview. Very useful for deciding my card strategy.
Any cards which do not follow 24 mon rule and ones you can reapply after a time period and get bonus again?
I’ve never heard of a card with less than a 24 month rule (from the bonus not from the signup).
TMI about Chase. Their restrictions are too much to deal with! I don’t even consider their offers anymore.
Thanks!
Restrictions are too much to deal with? Don’t open more than 5 cards in two years. That’s pretty simple. If you’re churning through more cards that, you’re not someone that Chase wants to do business with.
Thank you Award Wallet for the valuable information!
Flew American DCA to MCO round trip last week. Very nice flight attendants
There are some good ones out there!
Great matrix. I can see which ones are worth comparing
Thanks for the information. Yours is one of the couple of travel blogs I read.
Looks like I have five of ten of these cards.
Nice. Law of diminishing returns though says that getting (m)any more won’t be beneficial to you.
This is an excellent list of possibilities to choose from. Thanks!
All these sign-on bonuses are very attractive. At what point does it become detrimental to have a large number of cards, and need to close some of them?
Contrary to what many believe, having a lot of available credit and low utilization ratio (positively affected by a large credit limit) show that you can manage debt responsibly and will raise your score. As each account ages, your score will also rise.
I incorrectly heard growing up that a large line of credit is a bad thing as you could theoretically run out tomorrow and rack up as much debt as your credit line allows. This is simply incorrect logic in terms of the formula for your credit score.
Great to have all the best card info in one location!
Have Capital One cc, thanks for info
Fantastic layout of really easy to follow information and tips for my next credit card. Just received some nice signup bonuses from AA and UA!
Chase Ink for 80K for the win!! Plus 3x bonus!!
Chase Ink for 80K sign up for the win!! Plus 3x bonus. Can’t beat it!!
There are some decent airline offers as well. You could combine two SouthWest card offers (personal and business) for not only miles but also earn a free companion pass good through the end of 2020.
Ink cards are great. I have 3 for my business.
Decisions, decisions!! It’s time for a new card, and I still can’t decide which!! This helps narrow it down tho!
Thanks for the info. The Chase Ink card is definitely my preferred card at Office supply stores due to the 5% UR points benefit.
Thanks for this post! Helpful!
Great site! Keep feeding us the info.
I favored Barclays AA cards over Citi for many positive reasons and advantages (pun intended). Sadly I had both and they were closed off with no warning nor explanation a few years back. With perfect scores and credit history I’m not sure what I did. Anyone had this experience and is there a chance to get approved again?
I am pretty sure I signed up for a Starwood’s account about 10 years ago when I stayed at one for 4 nights in Chicago.
I do not Have any info on my membership anymore but can Marriott Bonvoy access that with my name and address to consolidate points?
If you contact them before you apply, they could probably locate it. But honestly, you’ll have no points so you may as well just let them make a new account for you.
The increased minimum spend requirements to get the full sign-up bonus is a concerning trend, sadly.
I love my chase trifecta, CSR, Freedom and Freedom Unlimited. Chase Ultimate Rewards are hard to beat. I also love my AmEx Hilton Honors Aspire card. Sure, like the CSR, it comes with a hefty $450 AF but I have already used $500 worth of credits and the Diamond level gets us some great perks. I try to make the most out of all of my cards.
Thanks for the info. I’ll keep this in mind
I hate that I signed up for the CSP a day before the increase in bonus =(
Bonvoy…. let’s give everyone 10-50k points to upgrade…. hey since you upgraded no new card bonuses for you….. even business bonuses.
Makes sense to me Marriott.
Thanks for breaking it down; I love comparing all the cards great information.
Some can check for targeted offers by logging into Chase under the “Selected for You” section. The offers in this section also bypass the 5/24 rule, so this could be a good option for those that are over 5/24!
May I suggest…
How about posting this list consistently on the first day of every month, like a regular feature? It would help us poor readers anticipate what is coming. There are other regular features you could on certain days every month, like:
– Reader susses story
– Best redemption deals
– Best shopping deals (to earn points/discounts)
– Airline service news you can use.
Before the end of the first year, it might be worthwhile for some people (like me) to downgrade the World Of Hyatt card to the $75 annual fee Hyatt card, which still gives you a free night certificate each credit card renewal year.
Make sure you see what the conversion rate is Bonvoy to airline miles . I found the SPG rates far superior
Converting one program’s currency to any other program’s currency isn’t ever a good exchange to begin with, of course not counting UR and MR points that are designed for that.
I think Chase is leading the pack with a great number of products. Good article!
i like that Fidelity 2% Back Visa, Citi Double Cash Back (2%) and Chase Freedom Unlimited (3% the first year, then 1.5%) are terrific
This offer is wonderful if your AAdvantage mileage is expiring, and want to extend the expiration date!
I feel so lucky to have subscribed their emails!
I hope they have the same/ similar offerings in the future again!
Good list. Even though the Bonvoy card is a good offer- many of us with boatloads of points have been ‘bonvoyed’- then ‘unbonvoyed’- only to be ‘bonyoved’ again. Seems at the moment they don’t have it together. It’s a good offer, and for a beginner they may not notice all the problems that continue to manifest in the new system- but care should be taken to recommend it as a ‘top 10’ card until Marriott gets their crap together. Just my 2 cents.
The Capitol One Venture also has a feature that was new for me:
Pay using virtual numbers with Eno® from Capital One®.
This is an extension for Chrome that detects when I’m purchasing something and am at the point of entering credit card information for payment. This Eno feature will provide the seller with a virtual number that accomplishes the payment with my card, but the vendor doesn’t receive the information about my actual card. I guess if that virtual card number fell into the wrong hands and that virtual card information is used with any other vendor it would be flagged and not allowed.
I like that feature and it is very convenient to use.
I think the current sign up bonus on the Hyatt card is a little too low.
Waiting for a higher one…
Same here. 50,000 is good, but I’m hoping for a 60k or even higher. We’ll see. It does me no good at the moment so I’m in rush.
I wish Chase would offer a legitimate upgrade offer from the Hyatt card to the WOH card. Offering 5,000 points to upgrade when one can cancel and get up to 50,000 by opening a new card is frustrating. Anything I might be missing with this line of thinking? Other than the chance of not being accepted, of course – but 5/24 is not a concern for me at this time.
Always good to review the current offers! Thanks
nice summary. Thanks!
I think the highest offer need to be added/considered to know if the offer is a good offer. For example, I think hyatt 50k is not a good offer as there was 60k or 70k offer before.
Thanks for the feedback. We do try to reference whether offers are at a relative high on our card review pages, but it makes sense to put that info here too when it applies. You can see that we did reference that higher offers have been seen on the Southwest Biz card. That said, I don’t recall a public offer on the Hyatt card at 70K points. If we try to include targeted offers, I think that creates more confusion than value.
Erik, could there be a dedicated page that has a history of the highest known public offers?
Hey Robert, that is a great idea. We’ve actually been working on the research for that. It’s a big project, but I hope to have a resource like that in the future.
That would be really cool!
I probably have too many credit cards. My favorite it the CSR, it has a $450 AF, however I always max out the $300 travel credit so the real cost is $150 per year.
very informative post. thank you!
Great choice of point earners here, really comprehensive overview.
The AAdvantage card featured sounds like the best deal to me.
I have been looking at the Citi double cash card. I agree with several others that it might be the easiest since you don’t have to have anything code to use the points. I have been flip flopping on this card. Still haven’t gotten the card since I’ve been needing other points and miles for other trips. It’s still in the back of my mind though. It’s difficult since I do love my Chase cards but that 2% is mighty tempting with Citi.
Amex gold for dining and Hilton Ascend for Gold status and PP. These are my favorites!
The Ascend (now Surpass) is a really good $95 card, possibly the best. It gives really good status and free breakfast.
On the list, to me the best values (spend vs. bonus) are the Ink Biz Pref, Hilton, or Hyatt cards.
Honorable mention should also go to the BoA Virgin Atlantic MC that is offering 80k at the moment, but in reality the offer is a guaranteed 65k for $2,000 spend and adding 2 AUs to the new account (the last 15k point require $25k total spend). Anyone interested should more quickly on the VA card, however, as I understand the offer ends tomorrow 12/12/19.
I think the WOH card might be in my future, despite the recent devaluation of their program.
What devaluation? Peak pricing?
Good list. Unfortunately I’m well above 5/24, but the AMEX Green and other offers were too good to pass up waiting out the clock on Chase.
Great list to bring back. Some of these spend requirements are getting quite steep though.
I have the Capital One Venture One rewards card (not the Venture card, there are 2…) and there is no annual fee. The points you can earn make it worth it, especially since you get bonus points on travel expenses (for example, you can receive 7 points per dollar spent booking a hotel through Hotels.com and paying with the Venture One card). I’d like to see some no-annual-fee cards on these lists like the Venture One card since annual fees are just throwing away money when there are often equivalent fee-free options out there.
There is definate value with the HHonours card. 2 nights for $95. Absolute Bargain!
2 nights? If you’re talking about the points bonus exclusively, it could be 2 nights a mid-tier property, but 125k only equates to ~1.33 nights at a top tier property (or 1 night at the Waldorf Astoria Maldives). If you’re counting the FWN Cert as part of the 2 nights, then I would generally agree, but it’s important to note that earning that Cert would require an additional $13k in spend beyond the hurdle for the sign-up bonus, which is not as easily achievable. Either way though, still a great value at card, and one of the top 3 on the list, IMO.
I am counting down the days until I’m back under 5/24.
Too bad all of them have annual fees
Don’t let annual fees scare you. It’s like shopping at Walmart or Sam’s Club. If you do your research, Sam’s Club could be WAY better for you.
Very useful summary. Thanks!
always appreciate the tips. I’m about to come off of 5/24 purgatory and I can’t wait to take advantage!
Choose wisely!
Hyatt card is overrated. Better pick IHG with more benefits abd less spend req.
The IHG card doesn’t have the benefit I care about most: free breakfast. Hilton has a huge step up on that and Hyatt makes it a lot easier to get to status with free breakfast.
Thanks for the reminder on these cards. I wish we had some of them available to us in Canada.
I am so happy the AAdvantage® Aviator® Red Mastercard offer is extended.
Wow I read it yesterday! Now I am waiting confirmation from IHG. Thanks for this great info!
Thanks for posting this list. I’ve been looking for some new CC sign up bonuses to take advantage of. The AAdvantage in particular looks good.
Very useful, thank you! Certainly useful information. Always good to get the current offers!
Very useful information. A great summary. Thanks for the post.
Thank you for the summary. Chase Sapphire Preferred Card is an amazing .
Is there a list of reward credit cards for the UK? It doesn’t seem to have as many options around here.
Sadly for you, the US is the primetime of credit card rewards and it’s fairly slim pickings in the rest of the world.
Rewards points are good, but cash is king. Beware of a company devaluing the points at a moment’s notice. Also, the points are worth less if you redeem them for cash or gift cards. I prefer using a cash back card and getting a direct deposit every month. Plus, it’s easier to spend cash than points.
Since I have a lot of big spend coming up, I will probably apply for the IHG card to take advantage of its large introductory offer. I will also try once again to get the Capital One Venture card…If I am denied this time, I am going to call them to ask why! It is too good a card to give up on.
Yes, definitely call them if you get rejected again. In my experience, they will be forthright with you about the reason(s) behind your denial.
Is there a rule against having the same card held by multiple people in the same household? For example, if I applied for the Chase IHG card and my husband also applied for it, and say we’re both approved, are we both eligible for the signup bonus? Or is it limited to one person per household?
Not limited by household, each person can apply for a card and receive the signup bonus.
That’s what many call two player mode. One of you can get it first and then refer the other.
Thank you very much for the information. I already requested the Chase Sapphire Preferred, it seemed the best option in costs / benefits.
Pretty good offers for this month!
Awesome list!
Thanks for the update. This site does a great job of monitoring mileage deals and passing on the info. Much appreciated!
I love that you include biz and personal cards! I am considering the Hilton Surpass. I was surprised to be reminded that it has a few priority pass vouchers to use. Too bad it’s not at the restaurants since Amex pooped pooped and somehow got kicked off those, but still a great perk. I am hoping that I would get to use the perks on a trip this summer.
Excellent! Thanks for the information!
It is nice to see all annual fees clearly listed on one page.
This is a great list, thanks!
Can you have both CSR and CSP?
No, the current application rules apply to all Chase Sapphire cards and prevent you from getting a Sapphire card if you already hold one. You can find the details of the policy here
When comparing credit card sign up bonuses of different rewards programs, I think it would be helpful if you included the value of each programs points/Miles.
For example, the IHG card has 140,000 bonus, but IHG points are worth a lot less than chase or Southwest points
Google The Points Guy point valuations. They may not be exactly the same value for you but it’ll at least give you a starting point to compare apples to apples.
When comparing credit card sign up bonuses of different rewards programs, I think it would be helpful if you included the value of each programs points/Miles.
For example, the IHG card has 140,000 bonus, but IHG points are worth a lot less than chase or Southwest points
Google The Points Guy point valuations. It’s a great starting point. IHG points are around 0.5 cents each and SW points are around 1.5 cents each.
I’ve been using the double cash card from Citi. This list makes me look at the IHG card for my travel. Thank you!
Thank you for sharing this info! Very useful!
Thanks for this information!
hrmm..just might take on the United card!
My favorite one is AA Aviator, it has a nice bonus when you make a $1000 purchase.
Going to apply for the IHG card for 140K for $89 and $3000 spend. Biggest promo I have ever seen for IHG points. Thanks for the post
This is a supper suffer list, thank you.
Thanks for the info. Wondering when a credit card will step up rewards to really draw in new customers? Like a 5% rebate on travel.
I think I need to get the new IHG Rewards Club Premier… Stacks benefits well with my grandfathered IHG card!
Amazing blog, this is a very useful list. Thanks a lot
thank you for the info!
This is a pretty solid list but reading through the comments it looks like it’s been around awhile. Glad to see it gets updated at least.
Hi Elena, the post is updated monthly with a roundup of the best offers currently available. Some cards with high-value offers stay on the list for months at a time, others are there only for as long as a limited-time offer lasts.
Love all the helpful info I get from this site!
Super handy info!
Appreciate the update. The Aviator card looks like it might be a good deal, at least for the first year.
If you can travel. I’m sure there’s a huge drop in credit card applications post-coronavirus – or at least travel credit cards.
Thanks for the info on those credit cards !!!!!!
Very useful info. Thanks!
Just an FYI on the AAdvantage card from Barclay… If you’re flying on American Airlines, they will offer you a higher number of bonus miles. The same is true on Southwest Airlines with an in flight application. While flying on Frontier Airlines, they offer a very generous number of bonus miles with only one purchase and a smaller fee than the Barclay AA.
any recent DPs of getting higher bonus (or 1st year fee waived) for Ink Preferred? I heard that applying in-branch helps but the banker told me it’s not the case anymore…
I will make a credit card change and enjoy the rewards. Thank you for the information.
Do you really need a business to get a business card?
There are lots of guides out there to show you how you are eligible and how to apply.