Updated February 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 Southwest new easy Companion Pass, Hilton 100k + $100 w/ no annual fee, Hawaiian 60k, Amex Rose Gold 60k+, Sapphire Preferred+. -
Removed 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.
- 150,000 Hilton Honors bonus points after $2,000 in purchases within first 3 months. Limited-time offer. See link for details.
- Additional $150 statement credit after first purchase of any amount within first 3 months.
- Weekend Night Reward certificate after you spend $15,000 in purchases in a calendar year.
- $95 annual fee.
- You can also get 100,000 points + $100 for their .
- Earn a Companion Pass through 2/28/2022 plus 30,000 points after $5,000 in purchases within the first 3 months. Limited-time offer ends 3/10/2021. See link for details.
- Southwest still gives everyone two free checked bags.
- New: Fast-track to 2021/2022 Companion Pass. Southwest gave all Rapid Rewards members who joined in 2020 or earlier a 25k credit towards . That means if you put $20,000 in purchases on this card during 2021 and satisfy the bonus requirements to get the bonus 80k, that alone would get you the needed 100,000 qualifying points for a Companion Pass good through end of 2022!
- $69 annual fee.
- Subject to 5/24 rule.
- 60,000 Ultimate Rewards points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
- New: Up to $50 in statement credits towards grocery store purchases. Just spend $50 at any grocery store in your first year after opening, and get $50 in statement credits.
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- 2X points on Travel and Dining at restaurants worldwide.
- $95 annual fee.
- Subject to 5/24 rule.
- Alternative: . 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit.
- 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 worldwide.
- 4X points at US supermarkets, on up to $25,000 per year.
- $250 annual fee.
- 75,000 Membership Rewards points after $5,000 in purchases in first 6 months. See link for details.
- 10X Membership Rewards points per dollar spent at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s up to another 150,000 points!
- $200 in Uber/Uber Eats credits annually.
- 5X Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
- Best airport lounge access program including Delta SkyClub and exclusive Centurion lounges.
- $550 annual fee.
- 140,000 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).
- $89 annual fee.
- Subject to 5/24 rule.
- Want something lower risk? The is now at 60,000 IHG points.
- 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.
- 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 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
- 3X points for every $1 spent on travel including gas stations.
- 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.
- 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.
- 60,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
- Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
- Receive a 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 ($750 value towards airfare) after $4,500 in purchases within 90 days. See link for details.
- $325 in annual statement credits towards travel per Cardmember year (based on account opening date)
- Up to $100 statement credit for Global Entry or TSA PreCheck.
- Priority Pass Select membership for airport lounge access.
- $400 annual fee. (Bigger bonus, big 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. You don’t need to be a “I only fly business class” world traveler. 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.
Note: 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 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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