Updated October 2021. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:
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Added Hawaiian 80k, Marriott 125k+FreeNight, Delta 70k/90k, Wyndham 90k, Citi Premier 80k, Platinum 100k, Sapphire 100k, IHG 150k. -
Removed United Quest 100k, Southwest 65k, CapOne 100k, JetBlue 60k, Hyatt 50k, United 70k, Freedom Flex Grocery offer, Barclays AA, Marriott 5 Free Nights.
This is a companion post to my . Small business bonuses are on average even higher than those on consumer cards.
- 100,000 Membership Rewards points after $6,000 in purchases in the first 6 months. Plus 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months. See link for details.
- $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $179 CLEAR Credit, $300 Equinox credit, $100 Shop Saks credit and more annually!
- $100 Global Entry or $85 TSA PreCheck fee credit.
- Premium airport lounge access through the American Express Global Lounge Collection®.
- $695 annual fee.
- 100,000 Ultimate Rewards points (highest ever, worth $1,250 minimum towards travel and more) after $4,000 in purchases within the first 3 months. Up to 25% boost in Ultimate Rewards redemptions. See link for details.
- Pay Yourself Back: 100k points = $1,250 back on dining, groceries, and home improvement through 9/30/21.
- 2X points on Travel and Dining at restaurants worldwide.
- $95 annual fee.
- Subject to 5/24 rule.*
- Alternative: . 60k bonus worth $900 towards UR travel. Up to 50% boost on Ultimate Rewards redemptions, 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit.
- Both 125,000 Marriott Bonvoy points and 1 Free Night Award (value up to 50,000 points) after $5,000 in purchases within the first 3 months. Limited-time offer. See link for details.
- Additional Free Night after each account anniversary year (value up to 35,000 Marriott points).
- $95 annual fee.
- Subject to 5/24 rule.
- 70,000 Delta Skymiles after $2,000 in purchases within the first 3 months. Limited-time offer expires 11/10/2021. See link for details.
- 70,000 Skymiles are worth at least $700 in Delta airfare with “Pay with Miles” option.
- First checked bag free on Delta flights ($60 value per roundtrip, per person).
- $0 annual fee for the first year, then $95.
- There is also a on the Platinum version.
- Up to 80,000 Hawaiian miles. 60k after $2,000 in purchases within 90 days + additional 20k after $4,000 in total purchases within first 6 months. See link for details.
- Free first checked bag for primary cardmember.
- One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
- $99 annual fee.
- 50,000 bonus points (worth $500 in statement credits) after $3,000 in purchases within 120 days. See link for details.
- 4X points on travel and gas stations, 2X points on dining and grocery stores.
- Up to $100 statement credit for Global Entry or TSA PreCheck.
- $30 annual streaming bonus.
- $0 annual fee the first year, $95/year thereafter.
- 90,000 total bonus points. 60k points after $1,000 in purchases in first 90 days, plus additional 30k points after $2,000 in purchases in first 6 months. See link for details.
- 90k points worth between 3 and 12 free nights. Wyndham hotel award nights cost between 7,500 to 30,000 points.
- Automatic upgrade to Wyndham Rewards Platinum status.
- $75 annual fee.
- Up to 130,000 Hilton Honors points. 80k points after $1,000 in purchases in first 3 months, plus another 50k points after a total of $5,000 in purchases in the first 6 months. See link for details.
- Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
- No annual fee.
- 150,000 IHG Rewards club points after $3,000 in purchases within the first 3 months. See link for details.
- Free Night after each account anniversary year (valued up to 40,000 IHG points).
- 4th Award Night Free (Book 3 nights in a row with points, 4th is free)
- $0 intro annual fee first year, then $89.
- Subject to 5/24 rule.*
- 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
- $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
- $120 in annual dining credit at Grubhub, Seamless, and more.
- 4X points at at restaurants.
- 4X points at US supermarkets, on up to $25,000 per year.
- $250 annual fee.
- 80,000 points (worth $800 in gift cards at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
- 3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.
- Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
- $95 annual fee.
- 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
- First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
- $0 annual fee for the first year, then $99.
- 60,000 miles (worth $600 towards travel) after $3,000 in purchases within the first 3 months. See link for details.
- 2X miles on ALL purchases..
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $95 annual fee.
- 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
- 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
- $100 annual Airline Incidental Statement Credit.
- Up to $100 credit towards TSA PreCheck or Global Entry application fee.
- $95 annual fee.
If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.
* 5/24 Rule? Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.
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