Best Credit Card Signup Bonus Offers: 2018

Brendan Harkness

Brendan Harkness

Updated Sep 17, 2018

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Best for No Annual Fee Card
Cash Back Wells Fargo Cash Wise Visa
Points Amex EveryDay Credit Card
General Travel Rewards Bank of America Travel Rewards (Review)
Airline Rewards JetBlue Card
Hotel Rewards Hilton Honors Card from American Express
Small Business Owners Chase Ink Business Cash (Review)
Best for Mid-Range Annual Fee Card
Cash Back American Express Blue Cash Preferred (Review)
Points Amex EveryDay Preferred Card (Review)
General Travel Rewards Chase Sapphire Preferred (Review)
Airline Rewards Alaska Airlines Visa Signature Card
Hotel Rewards Marriott Rewards Premier Plus Card (Review)
Small Business Owners Chase Ink Business Preferred (Review)
Best for High Annual Fee Card
General Travel Rewards Platinum Card from American Express (Review)
Airline Rewards United MileagePlus Club Card (Review)
Hotel Rewards Ritz-Carlton Rewards Credit Card
Small Business Owners Business Platinum Card from American Express (Review)

What is a Signup Bonus Offer?

Many rewards credit cards come with signup bonuses, or introductory bonuses.

These bonus offers can provide an excellent value, with returns on spending ranging from around 20% on average to more than 50% in some cases. Some are the equivalent of $100 or less, while others can be worth more than $1,000.

Usually, you need to spend a certain amount with the card on purchases in a specified period of time. A basic example is “$150 cash bonus for spending $500 in the first 3 months after account opening.” You can meet these spending requirements with your normal, everyday spending, or you can check out some alternative ways to meet minimum spends.

This time limit begins as soon as your account is opened. It doesn’t start when you get the card in the mail, or when you activate the card. If you’re not sure exactly when your account was opened, assume it was opened on the day you applied just to be safe.

Sometimes you’ll get bonus cash back, and other times you’ll get bonus points. Some cards offer statement credits. And other cards have different types of offers entirely, like free shipping from a particular store or a discount on your first purchase with the card.

These offers can be very attractive, but don’t make the mistake of getting into credit card debt because of them. You should only make charges that you know you’ll be able to pay back by the due date of that billing period. If you end up paying interest on a large balance you’ll be cutting into your profits from the signup bonus.

Public and Private Signup Offers

Bonus offers fall into two general camps: public and private. Public offers are available to anyone, and you can find them using specific links to card issuers’ webpages. Private offers are only available to certain people, and links to them aren’t meant to be shared. If you try to apply for a card using someone else’s offer, you’ll run into an error or the issuer may take steps to deny you the card.

Public bonus offers are subject to change throughout the year. Sometimes a particular card’s bonus will be increased for a few months, and then reduced to normal. Some people talk about “seasons” regarding bonus offers, but there’s really no telling when a card issuer will change an offer. If you see a great offer, it’s generally a good idea to grab it while you can.

If a card’s public offer increases shortly after you apply for it, you can try contacting the card issuer to request that they match the new bonus.

You may get private offers for certain credit cards when you visit their webpages, by mail, or by email. Private offers are usually better than the card’s public offer, like 75,000 bonus points instead of 60,000. In other cases they might be different offers that aren’t necessarily more valuable, but they might be more useful to you for whatever reason.

To see if you have any private bonus offers available, check to see if you’re pre-qualified for any credit cards before you apply. It’s free, and it won’t hurt your credit scores.

Types of Credit Card Signup Bonuses

There are quite a few species of signup bonus. Usually the type of card determines the bonus. Cash back cards get cash back bonuses, point cards get bonus rewards points, etc. Sometimes there’s a bit of variation, like an airline card offering bonus miles along with a statement credit.

Offer Type Example
Bonus Cash Back “$150 bonus cash back for spending $500 in the first 3 months”
Bonus Points “50,000 bonus points for spending $3,000 in the first 3 months”
Statement Credits “$100 statement credit for making your first purchase in the first 3 months”
Cashback Match “Double cash back your first year” (only for Discover cards)
Travel Rewards: Airline Miles, Hotel Points, Free Hotel Nights “One complimentary hotel stay for spending $3,000 in the first 3 months”
Other Offers “Free shipping on your first purchase”

For more, you can read all about the different types of introductory bonuses. You’ll learn how to use bonus offers effectively, and you’ll also find a number of creative ways to hit your minimum spending requirements.

Selection Criteria: What Makes a Great Signup Bonus?

  • Reasonable spending requirement: You have to be able to meet the requirements for the bonus, which usually means spending a certain amount with the card. There are many ways to reach minimum spend requirements besides just your typical shopping habits.
  • Enough time to meet the spend requirement: Most card offers give you three months to reach a spending requirement, while others might only give two. Be sure to keep track of how much time you have, starting as soon as your card account was opened.
  • Good return for your spending: The best intro bonuses offer a high return on the required spend, like 20% or more. But smaller bonuses can be valuable too, because you’re still getting rewarded for spending you were already going to do.
  • You can make good use of your bonus: Cash back cards are pretty straightforward, but some other cards provide reward points with several different redemption options. These different options might provide more or fewer cents per point, so be sure to use the method that will give you the best value.
  • Annual fee you can handle: Some cards with signup bonuses have annual fees, while others don’t. If you get a card with an annual fee, be sure that it’s worth the cost.
  • Other card features are good too (or tolerable): The signup bonus isn’t the only thing that matters. The other card features should fit your lifestyle as well, like the bonus categories, benefits, and fees.

Best Signup Bonus: No Annual Fee

Best for Cash Back

For cash back, our pick for the best credit card with no annual fee is the Wells Fargo Cash Wise Visa® Card. It offers a larger bonus than any other card, although you can sometimes find private offers for other cards that can match or beat this. In addition to a cash bonus, cardholders also get a bit of extra cash back when using eligible mobile wallets in the first year.

Introductory Bonus Offer
  • $200 cash bonus for spending $1,000 in the first 3 months after account opening
    • Return on spend: 20%
Spending Rewards
  • 1.8% cash back for every purchase made with an eligible mobile wallet during the first 12 months from account opening
  • 1.5% cash back for every other purchase
Wells Fargo Cash Wise Visa® Card
Apply Now

Wells Fargo Cash Wise Visa® Card

For People with
Good Credit

  • Annual Fee: None
  • Interest Rate: 14.24%–24.24% Variable
Quick Card Facts
  • 1.5% cash back rewards on every purchase
  • $200 cash rewards bonus for spending $1,000 in the first 3 months
  • 0% intro APR for purchases and balance transfers for 12 months, then 14.74–26.74% Variable
  • Visa shopping and travel benefits
  • Free access to one of your FICO 8 Credit Scores

Other Key Terms & Features

  • 0% intro APR for purchases and balance transfers for 12 months
  • Basic shopping and travel protections
  • Cell phone protection

Runners Up

There are a lot of runners up in this category, because cash back signup bonuses are probably the most common type. These cards all provide $150 as their bonus, at either a 15% or 30% return on your spending, depending on the card.

 

  • $150 cash back for spending $500 in the first 3 months after account opening
    • return on spend: 30%
  • $25 cash back after adding an authorized user and making a purchase in the first 3 months
  • 5% cash back in rotating bonus categories, which change every 3 months
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 15 months

 

  • $150 cash back for spending $500 in the first 3 months after account opening
    • return on spend: 30%
  • $25 cash back after adding an authorized user and making a purchase in the first 3 months
  • 1.5% cash back for every purchase
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 15 months

 

  • $150 cash back for spending $1,000 in the first 3 months after account opening
    • return on spend: 15%
  • 3% cash back at supermarkets, 2% back at gas stations and department stores
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 15 months

 

  • $150 signup bonus for spending $500 in the first 90 days after account opening
    • return on spend: 30%
  • 3% cash back on gas, 2% back at grocery stores and wholesale clubs
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 12 months

 

  • $150 signup bonus for spending $500 in the first 3 months after account opening
    • return on spend: 30%
  • 1.5% cash back for every purchase
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 9 months
  • No foreign transaction fees

 

  • $150 signup bonus for spending $500 in the first 3 months after account opening
    • return on spend: 30%
  • 3% cash back on dining, 2% back on groceries
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 9 months
  • No foreign transaction fees

 

  • $150 signup bonus for spending $500 in the first 3 months after account opening
    • return on spend: 30%
  • 5% cash back in your choice of two categories, 2% cash back in your choice of one category
  • No annual fee

 

  • Cashback Match: double cash back in your first year with the card
    • return on spend: 10% or 2%, depending on bonus category spending
  • 5% cash back in categories that rotate throughout the year, 1% cash back everywhere else
  • Access to Discover Deals shopping portal, featuring discounts at select merchants
  • No annual fee
  • No foreign transaction fees
  • 0% intro APR for purchases and balance transfers for 14 months

Best for Points

The Amex EveryDay Credit Card (Review) is one of the few cards with no annual fees to offer Amex Membership Rewards points.

Introductory Bonus Offer
  • 10,000 Membership Rewards points for spending $1,000 in the first 3 months after account opening
    • Value: $100–$180, depending on redemption method (assuming 1–1.8 cents per point)
    • Return on spend: 10–18%
Spending Rewards
  • 2X Membership Rewards points per dollar spent at U.S. supermarkets, up to $6,000 per year in purchases
  • 1X Membership Rewards point per dollar spent everywhere else
Redemption Bonus
  • Use your card 20 or more times per month to get a 20% bonus on all points earned that month. Equivalent to:
    • 2.4X points at supermarkets
    • 1.2X points everywhere else
The Amex EveryDay Credit Card
Apply Now

The Amex EveryDay Credit Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%–25.24% Variable
Quick Card Facts
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 14.24% to 25.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Other Key Terms & Features

  • Can transfer points to frequent traveler partner programs at airlines and hotels
  • Additional discounts and deals at select merchants through Amex Offers
  • Basic shopping and travel protections
  • 0% intro APR for purchases and balance transfers for 15 months

Read more in our Review of the Amex EveryDay Credit Card

Best for General Travel Rewards

The Bank of America Travel Rewards® Card (Review) currently provides the best signup bonus when it comes to no-fee travel cards. Not only do you get 20,000 bonus points, you also get a 10–75% bonus on purchases for having an eligible checking or savings account.

Introductory Bonus Offer
  • 20,000 points for spending $1,000 in the first 3 months after account opening
    • Value: $200
    • Return on spend: 20%
Spending Rewards
  • 1.5X points per dollar spent on every purchase
Redemption Bonus
  • Get a 10–75% point bonus on purchases if you have an eligible Bank of America or Merrill Lynch checking or savings account:
    • 10% bonus for having a checking or savings account
    • 25% bonus for having at least $20K in eligible bank accounts
    • 50% bonus for having at least $50K in eligible bank accounts
    • 75% bonus for having at least $100K in eligible bank accounts
BankAmericard Travel Rewards® Credit Card
Apply Now

BankAmericard Travel Rewards® Credit Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 15.24%-23.24% *Variable
Quick Card Facts
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • Earn 3 points per $1 spent on eligible purchases from the Bank of America Travel Center
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards

Other Key Terms & Features

  • Can transfer points to frequent traveler partner programs at airlines and hotels
  • Visa Signature discounts, and shopping/travel protections
  • 0% intro APR for purchases and balance transfers for 12 months
  • No foreign transaction fees

Read more in our Review of the Bank of America Travel Rewards Card

Runners Up

 

  • 20,000 bonus points for spending $1,000 in the first 3 months after account opening
    • value: $200
    • return on spend: 20%
  • 1.25X miles per dollar for every purchase
  • Visa Signature discounts, and shopping/travel protections
  • No annual fee
  • 0% intro APR for purchases and balance transfers for 12 months

 

  • Miles Match: get double miles on all purchases in your first year (equivalent to 3X miles per dollar)
    • return on spend: 3%
  • 1.5X miles per dollar for every purchase (equivalent to 1.5% cash back)
  • $30 annual credit for in-flight WiFi purchases
  • No annual fee
  • 0% intro APR for purchases for 14 months
  • Can redeem miles for statement credits for their full value, rather than needing to use them for travel expenses

 

  • PenFed Pathfinder Rewards American Express® Card: 25,000 bonus points for spending $2,500 in the first 3 months (return on spend: 8.5–12.5%, depending on redemption method), 3X points on all travel purchases, or 4X points for PenFed Honors Advantage Members.

Best for Airline Rewards

The JetBlue Card from Barclays is one of only a few co-branded airline cards with no annual fees.

Introductory Bonus Offer
  • 10,000 bonus points after spending $1,000 on purchases in the first 90 days after account opening
    • Value: $130 (assuming 1.3 cents per point)
    • Return on spend: 13%
Spending Rewards
  • 6X points per dollar or more for JetBlue purchases
    • 3X points from the card
    • 3X points or more for being a member and booking JetBlue flights online
  • 2X points per dollar at restaurants and grocery stores
  • 1X point per dollar spent everywhere else
JetBlue Card
Apply Now

JetBlue Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 17.74%, 21.74%, or 26.74% Variable
Quick Card Facts
  • Earn 3X points per $1 spent on JetBlue purchases, 2X points per $1 at restaurants and grocery stores and 1X point per $1 on all other purchases
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights.
  • Chip technology & $0 Fraud Liability protection.
  • No foreign transaction fees.
  • No annual fee.

Other Key Terms & Features

  • 50% inflight savings on purchases like cocktails and food
  • 0% intro APR for balance transfers for 15 months
  • No foreign transaction fees
  • Mastercard shopping and travel protections
  • No blackout dates on JetBlue-operated flights

Runner Up

  • Blue Delta SkyMiles® Credit Card: 10,000 bonus miles for spending $500 in the first 3 months (valued at: $120, assuming 1.2 cents per point; return on spend: 12%), 20% discount on in-flight purchases, shopping and travel perks and protections from American Express.

Best for Hotel Rewards

There aren’t many hotel credit cards without annual fees, which makes the Hilton Honors Card from American Express stand out quite a bit.

Introductory Bonus Offer
  • 50,000 Hilton Honors Bonus Points after spending $1,000 on purchases in the first 3 months after account opening
    • Value: $300 (assuming 0.6 cents per point)
    • return on spend: 30%
Spending Rewards
  • 7X Hilton Honors Bonus Points per dollar at participating hotels and resorts in the Hilton Portfolio
    • plus an additional 12.5X Base Points per dollar, at minimum
  • 5X Hilton Honors Bonus Points per dollar at:
    • U.S. restaurants
    • U.S. supermarkets
    • U.S. gas stations
  • 3X Hilton Honors Bonus Points per dollar on all other eligible purchases
Hilton Honors™ Card from American Express
Apply Now

Hilton Honors™ Card from American Express

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 16.99%–25.99% Variable
Quick Card Facts
  • 7 points per dollar at Hilton-branded hotels and resorts
  • 5 points per dollar at US restaurants, US gas stations, US supermarkets
  • 3 Hilton Honors points per dollar on regular spending
  • Signup bonus: 40,000 Hilton Honors Points Bonus after spending $750 in the first 3 months
  • Automatic Hilton Honors Silver Status
  • Gold status if you spend $20,000/year

Other Key Terms & Features

  • Complimentary Hilton Honors Silver Status
  • Upgrade to Gold Status by spending $20,000 or more with the card in a given year
  • Amex benefits like Entertainment Access
  • Shopping and travel protections from Amex
  • No foreign transaction fees

Runners Up

 

  • 15,000 bonus points for making your first purchase with the card
    • valued at: $180, assuming 1.2 cents per point
  • 3X points per dollar spent at eligible Wyndham Rewards properties, including on-property spend, 2X points per dollar spent on eligible gas, utility, and grocery store purchases
  • Visa Signature benefits, including a concierge service
  • No annual fee
  • 0% intro APR for purchases for 6 months
  • 0% intro APR for balance transfers for 15 months

 

  • 32,000 bonus points for spending $1,000 in the first 90 days after account opening
    • valued at: $192, assuming 0.6 cents per point
    • return on spending: 19.2%
  • 8,000 bonus points every year that you spend at least $10,000 with the card
  • 15X points per dollar at eligible Choice Privileges locations, 5X points on purchases of Choice Privileges points or gift cards, 2X points for all other purchases
  • 10% point bonus when purchasing stays with Choice Privileges
  • Gold Elite Status with Choice Privileges
  • No annual fee
  • 0% intro APR for balance transfers for 15 months

Best for Small Business Owners

The Chase Ink Business Cash (Review) has an excellent signup bonus, made even better because you can transfer the rewards you earn with this card over to other Chase cards where they’ll be worth more to you. You’ll need one of those other cards to get a better value than the basic $500.

Introductory Bonus Offer
  • $500 bonus cash back for spending $3,000 on purchases in the first 3 months after account opening
    • Value: $500–$1,000, depending on redemption method
    • Return on spend: 16.67–33.33%
Spending Rewards
  • 5% cash back on the first $25,000 spent each year:
    • at office supply stores
    • on internet, cable, and phone services
  • 2% cash back on the first $25,000 spent each year:
    • at gas stations
    • at restaurants
  • 1% cash back on all other purchases, with no limit
Chase Ink Business Cash Card
Apply Now

Chase Ink Business Cash Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 14.74%–20.74% Variable
Quick Card Facts
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee

The information for Chase Ink Business Cash Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

There are three other Chase cards that can give you a better value for your points, if you transfer them over:

All three of these cards also allow you transfer your points to airline and hotel loyalty programs at a 1:1 rate. You may be able to find deals that provide as much as 2 cents per point, which is why you can value the Ink Cash’s signup bonus at $1,000.

 Other Key Terms & Features

  • Can get up to 70 employee cards, all for free
  • Visa Signature Business shopping and travel protections
  • 0% intro APR for purchases and balance transfers for 12 months

Read more in our Review of the Chase Ink Business Cash Card

Runners Up

 

  • $200 cash bonus for spending $500 in the first 60 days after account opening
    • return on spend: 40%
  • 3% cash back at gas stations and office supply stores, 2% back at restaurants
  • Get an extra 25–75% cash back on purchases for Business Advantage Relationship Rewards members
  • Visa Signature Business benefits, like shopping and travel protections
  • No annual fee
  • 0% intro APR for purchases for 9 months

 

  • $200 cash bonus for spending $3,000 in the first 3 months after account opening
    • return on spend: 6.67%
  • 1.5% cash back for every purchase
  • Visa Signature Business benefits, like shopping and travel protections
  • No annual fee
  • 0% intro APR for purchases for 9 months

Best Signup Bonus: Mid-Range Annual Fee

Best for Cash Back

The American Express Blue Cash Preferred® Card (Review) is an excellent card for grocery shopping and buying gas, and it has a great signup bonus too.

Introductory Bonus Offer
  • $200 cash back for spending $1,000 on purchases in the first 3 months of card membership
    • Return on spend: 20%
Spending Rewards
  • 6% cash back on the first $6,000 spent each year at U.S. supermarkets
  • 3% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
Blue Cash Preferred® Card from American Express®
Apply Now

Blue Cash Preferred® Card from American Express®

For People with
Excellent Credit

  • Annual Fee: $95
  • Interest Rate: 14.24%–25.24% Variable
Quick Card Facts
  • Get $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the cash back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 14.24% to 25.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

You may find a private offer for the Blue Cash Preferred, offering $250 cash back for spending $1,000. That’d be a 25% return on your spending.

Other Key Terms & Features

  • Shopping and travel protections from Amex
  • Access to the Amex Offers shopping portal, providing discounts at select retailers
  • 0% intro APR for purchases and balance transfers for 12 months
  • $95 annual fee

Read more in our Review of the Amex Blue Cash Preferred Card

Best for Points

The Amex EveryDay® Preferred Card (Review) can provide you with a whole lot of Membership Rewards points. This card is better for people who make a lot of purchases, because it features a 50% point bonus for using the card 30 or more times per month.

Introductory Bonus Offer
  • 15,000 Membership Rewards points for spending $1,000 on purchases in the first 3 months of card membership
    • Value: $150–$270, depending on redemption method (assuming 1–1.8 cents per point)
    • Return on spend: 15–27%
Spending Rewards
  • 3X Membership Rewards points per dollar spent at U.S. supermarkets, up to $6,000 per year in purchases
  • 2X Membership Rewards points per dollar spent at U.S. gas stations
  • 1X Membership Rewards point per dollar spent everywhere else
Redemption Bonus
  • Use your card 30 or more times per month to get a 50% bonus on all points earned that month. Equivalent to:
    • 4.5X points at supermarkets
    • 3X points at gas stations
    • 1.5X points everywhere else
Amex EveryDay® Preferred Credit Card
Apply Now

Amex EveryDay® Preferred Credit Card

For People with
Excellent Credit

  • Annual Fee: $95
  • Interest Rate: 14.24%–24.24% Variable
Quick Card Facts
  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 14.24% to 25.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Preferred Credit Card from American Express

Other Key Terms & Features

  • Shopping and travel protections from Amex
  • Access to the Amex Offers shopping portal, providing discounts at select retailers
  • 0% intro APR for purchases and balance transfers for 12 months
  • $95 annual fee

Read more in our Review of the Amex EveryDay Preferred Card

Best for General Travel Rewards

The Chase Sapphire Preferred (Review) comes with a great intro bonus for travelers. It’s made even better because you can transfer those points to a variety of partner programs, turning them into airline miles or hotel points. The return on spend for the second offer isn’t quite as good, but it’s still nice to get a bonus in addition to your regular spending rewards.

Introductory Bonus Offers
  • 50,000 Ultimate Rewards points for spending $4,000 on purchases in the first 3 months after account opening
    • Value: $625–$1,000, depending on redemption method (assuming 1.25–2 cents per point)
    • Return on spend: 15.6–25%
  • 5,000 Ultimate Rewards points for adding an authorized user and making your first purchase in the first 3 months
    • Value: $62.5–$100, depending on redemption method (assuming 1.25–2 cents per point)
Spending Rewards
  • 2X Ultimate Rewards points per dollar spent on:
    • travel
    • dining at restaurants
  • 1X Ultimate Rewards point per dollar spent everywhere else
Redemption Bonus
  • 25% point bonus when redeeming for travel expenses through Chase Ultimate Rewards. Equivalent to:
    • 2.5X points on travel and dining at restaurants
    • 1.25X points everywhere else
Chase Sapphire Preferred Card
Apply Now

Chase Sapphire Preferred Card

For People with
Excellent Credit

  • Annual Fee: $95, $0 first year
  • Interest Rate: 17.49%–24.49% Variable
Quick Card Facts
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

The information for Chase Sapphire Preferred Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Other Key Terms & Features

  • Transfer points to a variety of loyalty programs, including Southwest Rapid Rewards, United MileagePlus, Hyatt, and Marriott
  • Chase Luxury Hotel Collection and Preferred Experiences programs
  • Additional discounts at select retailers with the Shop Through Chase shopping portal
  • Visa Signature concierge
  • No foreign transaction fees
  • $95 annual fee after the first year

Read more in our Review of the Chase Sapphire Preferred Card

Runners Up

  • 25,000 Membership Rewards points for spending $2,000 in the first 3 months after account opening
    • valued at: $250–$450, assuming 1–1.8 cents per point
    • return on spend: 12.5–22.5%
  • 3X points for flights booked directly with airlines, 2X points at amextravel.com and U.S. restaurants, gas stations, and supermarkets
  • $100 airline fee credit
  • $75 hotel credit for every eligible stay through The Hotel Collection
  • No foreign transaction fees
  • $0 annual fee for the first year, then $195
  • Charge card, so you must pay your balance in full each month

 

  • 50,000 bonus miles for spending $3,000 in the first 3 months after account opening
    • valued at: $500, assuming 1 cent per point
    • return on spend: 16.67%
  • 10X miles per dollar at hotels.com/venture, 2X miles per dollar for every other purchase
  • Visa Signature travel and shopping discounts, along with protections
  • No foreign transaction fees
  • $0 annual fee for the first year, then $95

 

  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
    • valued at: $850, assuming 1.7 cents per point
    • return on spend: 21.25%
  • 3X points for travel, including gas stations, 2X points at restaurants and on entertainment
  • Can transfer points to several airline loyalty programs, like TrueBlue® and Virgin Atlantic Flying Club
  • Citi Private Pass experiences
  • No foreign transaction fees
  • $0 annual fee for the first year, then $95

 

  • Bank of America® Premium Rewards® Card: 50,000 bonus points for spending $3,000 on purchases in the first 90 days (valued at: $500; return on spend: 16.67%), $100 airline fee credit, $100 Global Entry or TSA Pre✓® application credit, 2X points on travel and dining, 1.5X points for all other purchases.

Best for Airline Rewards

The Alaska Airlines Visa Signature Card has one of the best credit card intro offers for an airline at no fee, with bonus miles along with a companion fare credit. The companion credit is valued at a minimum of about $120, but many people have reported getting over $400 in value with it.

Introductory Bonus Offers
  • 30,000 bonus miles after spending $1,000 on purchases in the first 90 days after account opening
    • Value: $540 (assuming 1.8 cents per point)
    • Return on spend: 54%
  • Companion fare credit after spending $1,000 on purchases in the first 90 days after account opening
    • Value: varies, about $120–$400 or more
    • Return on spend: 12–40% or more
Annual Award
  • Companion fare credit every year on your account anniversary
Spending Rewards
  • 3X miles per dollar for Alaska Airlines purchases
  • 1X point per dollar spent everywhere else
Alaska Airlines Visa Signature® Credit Card
Apply Now

Alaska Airlines Visa Signature® Credit Card

For People with
Good Credit

  • Annual Fee: $75
  • Interest Rate: 16.74-24.74% Variable
Quick Card Facts
  • 3X miles per $1 on Alaska Airlines purchases, and 1X mile per $1 spent on everyday purchases
  • New—free first checked bag for you and up to six additional passengers on your reservation.* Terms and conditions apply.
  • Coach Companion Fare every year from $121 ($99, plus taxes and fees from $22)
  • Spend $1,000 in the first 90 days to earn 30,000 bonus miles and a Companion Fare ($0, plus taxes and fees from $22)
  • No limit to the number of miles earned - award tickets start at 7,500 miles. See alaskaair.com for details on award levels.
  • Redeem miles for award tickets on Alaska Airlines, or towards travel with more than a dozen global airline partners including Delta, American Airlines™ and British Airways.
  • No foreign transaction fees
  • $75 annual fee

Other Key Terms & Features

  • Free first checked bag on Alaska flights, for you and up to six guests
  • Free FICO Credit Score
  • 0% intro APR for balance transfers for 15 months
  • No foreign transaction fees
  • $75 annual fee

Runners Up

 

  • 40,000 bonus points for spending $1,000 in the first 3 months after account opening
    • valued at: $600, assuming 1.5 cents per point
    • return on spend: 60%
  • 3,000 bonus points on your account anniversary
  • 2X points on Southwest purchases and at Rapid Rewards partners
  • First and second checked bags fly free
  • No foreign transaction fees
  • $69 annual fee

 

  • 30,000 bonus points for spending $1,000 in the first 3 months after account opening
    • valued at: $360, assuming 1.2 cents per point
    • return on spend: 36%
  • $50 statement credit after making your first Delta purchase within the first 3 months
  • 2X points on Delta purchases
  • Discounted Delta Club access for you and two guests, at $29 per person
  • 20% discount on eligible Delta in-flight purchases
  • No foreign transaction fees
  • $0 annual fee the first year, then $95

Best for Hotel Rewards

The Marriott Rewards Premier Plus Card (Review) provides a great bonus, with a very high potential return on spend.

Introductory Bonus Offer
  • 75,000 bonus points after spending $3,000 on purchases in the first 3 months after account opening
    • Value: $750–$1,500 (assuming 1–2 cents per point)
    • Return on spend: 25–50%
Spending Rewards
  • 18X Marriott Rewards points or more per dollar at Marriott properties
    • 6X bonus points per dollar from the card
    • 12X base points per dollar or more for being a Marriott member
  • 8X points or more per dollar at Starwood Preferred Guest properties
    • 6X Marriott Rewards bonus points per dollar from the card
    • 2X Starpoints per dollar or more for being an SPG member
  • 2X Marriott Rewards bonus points on all other purchases
Annual Award
  • Free Night Award every year on your account anniversary
Marriott Rewards Premier Credit Card
Apply Now

Marriott Rewards Premier Credit Card

For People with
Good Credit

  • Annual Fee: $85
  • Interest Rate: 17.49%–24.49% Variable
Quick Card Facts
  • Limited Time! Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
  • All for an $85 Annual Fee

The information for Marriott Rewards Premier Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Other Key Terms & Features

  • Automatic Silver Elite Status with Marriott, with a fast track to Gold Status
  • 15 Elite Night Credits per year (starting in 2019)
  • Visa Signature Concierge, along with travel and shopping protections
  • No foreign transaction fees
  • $95 annual fee

Runners Up

 

  • 100,000 Hilton Honors Bonus Points for spending $3,000 in the first 3 months after account opening
    • valued at: $360, assuming 1.2 cents per point
    • return on spend: 36%
  • 12X points per dollar at participating hotels and resorts in the Hilton Portfolio from the card, plus an additional 18X Base Points per dollar for being a member, at minimum
  • 6X points per dollar U.S. restaurants, supermarkets, and gas stations, 3X points on all other eligible purchases
  • Free weekend night award after your account anniversary (offer expires 6/27/18)
  • Earn a weekend night award after spending $15,000 in a given year
  • Complimentary Hilton Honors Gold Status
  • Earn Diamond Status by spending $40,000 in a given year
  • 10 free visits to Priority Pass Select airport lounges
  • No foreign transaction fees
  • $95 annual fee

 

  • $100 statement credit for spending $1,000 with the card in the first 3 months of card membership
    • return on spend: 10%
  • An additional $100 statement credit after your first purchase with the card at an SPG or Marriott hotel, within the first 6 months of card membership
  • Up to 5X points for every dollar spent on eligible purchases at participating SPG hotels: 2X points as a card member and 2–3X points as an SPG member
  • Redeem Starpoints for a wide variety of hotel awards, or transfer to a partner loyalty program
  • 5,000 bonus Starpoints for transferring 20,000 Starpoints to a partner airline program
  • Free in-room premium internet
  • No foreign transaction fees
  • $95 annual fee after the first year

 

  • 80,000 bonus points for spending $2,000 in the first 3 months after account opening
    • valued at: $480, assuming 0.6 cents per point
    • return on spend: 24%
  • 5,000 bonus points for adding an authorized user and making a purchase in the first 3 months
  • 10,000 bonus points for spending $20,000 on purchases and then making one additional purchase in a given year
  • 10X points per dollar at participating IHG Rewards Club locations from the card, plus an additional 10X points per dollar for being an IHG member, at minimum
  • 2X points per dollar gas stations, grocery stores, and restaurants
  • One free night stay after each account anniversary
  • Fourth reward night is free when you redeem points for any stay of 4 nights or more
  • Automatic IHG Platinum Status
  • Save 20% when you purchase points with your card
  • $100 credit for the Global Entry or TSA Pre✓ application credit, once every four years
  • No foreign transaction fees
  • $89 annual fee

Best for Small Business Owners

The Chase Ink Business Preferred Card (Review) has a very high signup bonus, and offers a 25% bonus when redeeming through Chase Ultimate Rewards (for 1.25 cents per point). But if you transfer those points to an airline or hotel partner you could get a better value from this business card, like 2 cents per point.

Introductory Bonus Offers
  • 80,000 Ultimate Rewards points for spending $5,000 on purchases in the first 3 months after account opening
    • Value: $1,000–$1,600, depending on redemption method (assuming 1.25–2 cents per point)
    • Return on spend: 15.6–25%
  • 30,000 Ultimate Rewards points for spending a total of $20,000 on purchases in your first year with the card
    • Value: $300–$600, depending on redemption method (assuming 1–2 cents per point)
    • Return on spend: 1.5–3%
Spending Rewards
  • 3X Ultimate Rewards points per dollar spent on:
    • travel
    • shipping purchases
    • internet, cable, and phone services
    • advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar spent everywhere else
Redemption Bonus
  • 25% point bonus when redeeming for travel expenses through Chase Ultimate Rewards. Equivalent to:
    • 3.75X points on travel and dining at restaurants
    • 1.25X points everywhere else
Chase Ink Business Preferred Credit Card
Apply Now

Chase Ink Business Preferred Credit Card

For People with
Excellent Credit

  • Annual Fee: $95
  • Interest Rate: 17.49%–22.49% Variable
Quick Card Facts
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

The information for Chase Ink Business Preferred Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Other Key Terms & Features

  • Point transfer to a variety of hotel and airline travel partners at a 1:1 rate
  • Up to 70 employee cards, all for free (must split account to get more)
  • 20,000 bonus points for every referral
  • Cell phone protection, along with other Visa Signature Business shopping and travel protections
  • No foreign transaction fees
  • $95 annual fee

Read more in our Review of the Chase Ink Business Preferred Card

Runners Up

 

  • 50,000 Membership Rewards points for spending $5,000 in the first 3 months of card membership
    • valued at: $500–$900, assuming 1–1.8 cents per point
    • return on spend: 10–18%
  • 3X points per dollar in your choice of one of five categories, including airfare, advertising, shipping, and computer hardware and software
  • 2X points in the categories that you don’t choose for 3X
  • $75 hotel credit for every eligible stay through The Hotel Collection
  • Business-specific features through the Amex OPEN program
  • No foreign transaction fees
  • $0 annual fee the first year, then $175
  • Charge card, so you must pay your balance in full each billing period

 

  • $500 cash bonus for spending $4,500 in the first 3 months after account opening
    • return on spend: 11.11%
  • 2% cash back for every purchase you make
  • Unlimited free employee cards
  • Visa Signature Business shopping and travel protections
  • No foreign transaction fees
  • $0 annual fee the first year, then $95

Best Signup Bonus: High Annual Fee

Best for General Travel Rewards

The Platinum Card® from American Express (Review) is a premium travel card, popular for the signup bonus, spending rewards, and other cost-saving benefits. And it currently has the highest public offer ever available, so now is a great time to apply if you’re interested in this card.

Signup Bonus Offer
  • 60,000 Membership Rewards points for spending $5,000 on purchases in the first 3 months of card membership
    • Value: $600–$1,080, depending on redemption method (assuming 1–1.8 cents per point)
    • Return on spend: 12–21.6%
Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • flights booked directly with airlines or with American Express Travel
    • eligible hotels booked with the American Express Travel portal
  • 2X Membership Rewards points per dollar spent on other purchases from Amex Travel
  • 1X Membership Rewards point per dollar spent everywhere else
Platinum Card® from American Express
Apply Now

Platinum Card® from American Express

For People with
Excellent Credit

  • Annual Fee: $550
  • Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 Uber Savings Annually.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. Terms Apply.
  • $200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline. Terms Apply.

Other Key Terms & Features

  • Excellent airport lounge access through the Global Lounge Collection, including Centurion Lounges, Priority Pass Select, Delta Sky Clubs, and more
  • $200 annual airline fee credit, good for incidental costs like checked bags and in-flight food
  • $100 credit for the Global Entry or TSA Pre✓ application fee, once every five years
  • $75 hotel credit for every eligible stay through The Hotel Collection
  • Hilton Honors Gold Status
  • Starwood Preferred Guest Gold Status
  • $200 in Uber credits each year
  • Complimentary worldwide Boingo WiFi access
  • No foreign transaction fees
  • $550 annual fee
  • Charge card, so you must pay your balance in full each billing period

Read more in our Review of the Platinum Card from American Express

Runner Up

 

  • 50,000 Ultimate Rewards points for spending $4,000 in the first 3 months of account opening
    • valued at: $750–$1,000, assuming 1.5–2 cents per point
    • return on spend: 18.75–25%
  • 50% bonus on points redeemed for travel expenses through Chase Ultimate Rewards (which comes to 1.5 cents per point)
  • 3X points per dollar on travel and dining
  • $300 annual travel credit
  • Complimentary Priority Pass Select membership, with free access to eligible airport lounges
  • Chase Luxury Hotel Collection, with perks like daily breakfast for two and free WiFi
  • Elite Hotel Benefits at Relais & Châteaux
  • Special car rental privileges at Avis, Silvercar, and National Car Rental
  • No foreign transaction fees
  • $450 annual fee

Best for Airline Rewards

The United MileagePlus® Club Card (Review) comes with a very rewarding offer for United fliers, but if you prefer a different airline you should check out one of the runners up below.

Introductory Bonus Offer
  • 50,000 bonus miles for spending $3,000 on purchases in the first 3 months after account opening
    • Value: $700 (assuming 1.4 cents per mile)
    • Return on spend: 12–21.6%
Spending Rewards
  • 1.5X miles per dollar for every purchase
United MileagePlus® Club Card
Apply Now

United MileagePlus® Club Card

For People with
Good Credit

  • Annual Fee: $450
  • Interest Rate: 17.74%–24.74% Variable
Quick Card Facts
  • 2X miles for every $1 spent on United Airlines purchases
  • 1.5X miles for every $1 spent on all other purchases
  • 50,000 bonus miles for spending $3,000 on purchases in the first 3 months
  • Miles never expire
  • United Club membership, with free access for you and two guests
  • Free first and second checked bags, for you and one traveling companion
  • Premier Access travel services
  • Chase Luxury Hotel & Resort Collection
  • World of Hyatt Discoverist status
  • No foreign transaction fees
  • $450 annual fee

The information for United MileagePlus® Club Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Other Key Terms & Features

  • Complimentary United Club membership, with free access to eligible airport lounges for you and your traveling companions
  • Free first and second checked bags for you and one companion on the same reservation
  • Premier Access travel services at airports, which include priority check-in, security screening, boarding, and baggage handling privileges
  • Complimentary Premier Upgrades on United-operated flights, when available
  • Chase Luxury Hotel & Resort Collection, which includes free breakfast for two, early check-in, late check-out, and more
  • World of Hyatt Discoverist member status
  • Hertz President’s Circle Elite Status, which includes a 25% bonus on Hertz Gold Rewards points
  • No foreign transaction fees
  • $450 annual fee

Read more in our Review of the United MileagePlus Club Card

Runners Up

 

  • 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) for spending $3,000 in the first 3 months after account opening
    • bonus miles are valued at: $480, assuming 1.2 cents per point
    • return on spend: 16%
  • 15,000 bonus miles and 15,000 MQMs for spending $30,000 on purchases in a given year
  • An additional 15,000 bonus miles and 15,000 MQMs for spending a total of $60,000 on purchases in a given year
  • 2X points per dollar on Delta purchases
  • Annual companion certificate for Domestic First Class, Delta Comfort+®, or Main Cabin round-trip fares
  • First checked bag is free on Delta flights, for you and up to eight guests
  • Priority Boarding on Delta flights
  • 20% discount on in-flight purchases, like food, alcohol, and audio headsets
  • No foreign transaction fees
  • $450 annual fee

 

  • 40,000 American Airlines AAdvantage® bonus miles for spending $5,000 in the first 3 months of account opening
    • valued at: $560, assuming 1.4 cents per point
    • return on spend: 11.2%
  • 2X miles per dollar spent on eligible American Airlines purchases
  • Complimentary Admirals Club® membership, with free access for you and up to two guests
  • $100 credit for the Global Entry or TSA Pre✓ application credit, once every four years
  • Enhanced Airport Experience, which includes priority check-in, security screening, and boarding privileges
  • 25% discount on in-flight purchases on American Airlines flights
  • Add up to 10 authorized users at no additional cost, and all users get access to Admirals Club lounges
  • No foreign transaction fees
  • $450 annual fee

Best for Hotel Rewards

The Ritz-Carlton Rewards Credit Card offers two free night stays for its bonus offer. These can be used at Tier 1 to Tier 4 properties, and we recommend using them at Tier 4 properties to get the best value.

Update: The Ritz-Carlton Rewards Card is no longer available to new cardholders. If you already had the card you can continue using it as normal.

Signup Bonus Offers
  • Two complimentary nights at any participating Tier 1–4 Ritz-Carlton hotel after spending $4,000 on purchases in the first 3 months after account opening
  • 10,000 bonus points if you make a purchase and add an authorized user to your account within the first 3 months
    • value: $100–$200, depending on redemption method (assuming 1–2 cents per point)
Spending Rewards
  • 15X Marriott Rewards points or more per dollar at Ritz-Carlton and Marriott properties
    • 5X bonus points per dollar from the card
    • 10X base points per dollar or more for being a Marriott member
  • 7X points or more per dollar at SPG properties
    • 5X Marriott Rewards bonus points per dollar from the card
    • 2X Starpoints per dollar or more for being an SPG member
  • 2X Marriott Rewards bonus points per dollar:
    • on airline tickets purchased directly with the airline
    • at car rental agencies
    • at restaurants
  • 1X Marriott Rewards bonus point per dollar on all other purchases
Ritz-Carlton Rewards Credit Card
Apply Now

Ritz-Carlton Rewards Credit Card

For People with
Good Credit

  • Annual Fee: $395
  • Interest Rate: 16.24% - 23.24% *Variable
Quick Card Facts
  • Earn 5 points for every $1 spent at Ritz-Carlton Hotels and partner hotels, including JW Marriott®, EDITION®, Autograph Collection® Hotels, Renaissance® Hotels and Marriott Hotels & Resorts®.
  • Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.
  • Earn 1 point for every $1 spent on all other purchases
  • 10% Annual Points Premium on Ritz-Carlton Rewards points

The information for Ritz-Carlton Rewards Credit Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

Other Key Terms & Features

  • $300 annual travel credit
  • Upgrade to The Ritz-Carlton Club Level three times annually on paid stays of up seven nights
  • Complimentary Priority Pass Select membership
  • Save $100 on the total cost of between two and five qualifying round-trip, domestic coach airline tickets
  • $100 credit for the Global Entry or TSA Pre✓ application credit, once every four years
  • Special car rental privileges at Avis, Silvercar, and National Car Rental
  • No foreign transaction fees
  • $450 annual fee

Runner Up

 

  • 100,000 Hilton Honors Bonus Points for spending $4,000 in the first 3 months of account opening
    • valued at: $600, assuming .06 cents per point
    • return on spend: 15%
  • 14X Hilton Honors Bonus Points per dollar at participating hotels and resorts in the Hilton Portfolio, plus an additional 20X Base Points per dollar, at minimum
  • 7X points on flights booked directly with airlines or at amextravel.com, car rentals booked with select companies, and restaurants
  • 3X points on all other purchases
  • Complimentary Hilton Honors Diamond Status
  • Annual weekend night award, and an additional free night after spending $60,000 on purchases in a given year
  • $250 airline fee credit, good for incidental charges like baggage and in-flight food and drinks
  • $250 Hilton Resort statement credit, good at participating resorts
  • $100 Hilton on-property credit, available for every eligible stay of two nights or more
  • Complimentary Priority Pass Select membership, with free access for you and up to two guests
  • No foreign transaction fees
  • $450 annual fee

Best for Small Business Owners

The Business Platinum Card® from American Express (Review) is actually a bit better than the regular consumer Platinum card. It has a bigger overall signup bonus, although you’ll need to spend more to get it, and a lower annual fee by $100.

This business card has excellent airport lounge access and other travel perks. When redeeming for flights you’ll get 35% of your points returned, making this the most valuable redemption method unless you can find a great point transfer deal.

Introductory Bonus Offer
  • 50,000 Membership Rewards points for spending $10,000 on purchases in the first 3 months of card membership
    • Value: $500–$900, depending on redemption method (assuming 1–1.8 cents per point)
    • Return on spend: 5–9%
  • An additional 50,000 Membership Rewards points for spending an additional $15,000 on purchases in the first 3 months of card membership
    • Value: $500–$900, depending on redemption method (assuming 1–1.8 cents per point)
    • Return on spend: 3.33–6%
Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • flights booked directly with airlines or with American Express Travel
    • eligible hotels booked with the Amex Travel portal
  • 2X Membership Rewards points per dollar spent on other purchases from Amex Travel
  • 1X Membership Rewards point per dollar spent everywhere else
Spending Bonus
  • 50% point bonus for business purchases of $5,000 or more. Equivalent to:
    • 1.5X Membership Rewards point per dollar
Redemption Bonus
  • 35% of your points back when redeeming for flights
Business Platinum Card® from American Express OPEN
Apply Now

Business Platinum Card® from American Express OPEN

For People with
Excellent Credit

  • Annual Fee: $450
  • Interest Rate: Not Applicable - Paid in Full Monthly
Quick Card Facts
  • Welcome Offer: Get up to 75,000 Membership Rewards points after you spend $20,000 in purchases within your first 3 months of Card Membership.
  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses, and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply

Other Key Terms & Features

  • Premium airport lounge access through the Global Lounge Collection, including Centurion Lounges, Priority Pass Select, Delta Sky Clubs, and more
  • $200 annual airline fee credit, good for incidental costs like checked bags and in-flight food
  • $100 credit for the Global Entry or TSA Pre✓ application credit, once every four years
  • $75 hotel credit for every eligible stay through The Hotel Collection
  • Hilton Honors Gold Status
  • Starwood Preferred Guest Gold Status
  • Complimentary worldwide Boingo WiFi access
  • 10 annual passes for Gogo Preferred in-flight WiFi
  • Business Platinum Travel Services, for custom itineraries and recommendations
  • Amex OPEN business features and services
  • No foreign transaction fees
  • $450 annual fee
  • Charge card, so you must pay your balance in full each billing period

Read more in our Review of the Business Platinum Card from American Express

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