Recommended Credit Card Offers

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. I do not write about all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).

There are a few places online that compile the best credit card deals. But as you get from reading this blog, I have my own take on what actually is best. So I’ve compiled these offers in many ways as a repository for myself — these are the links I go back to when it’s time to sign up for a card myself or recommend a link to friends and family.

If you find something I’ve missed, I’d greatly appreciate cit if you would e-mail me.

American Express, Chase, Citibank, US Bank, and Barclaycard are advertising partners of this blog.

This does not endeavor to be a complete and 100% exhaustive list of all of the credit cards that exist. Rather, these are the cards that I believe are actually worthwhile.

AIRLINE CREDIT CARDS

Alaska Airlines Mileage Plan: 30,000 mile signup bonus: $75 annual fee not waived the first year.

This card also comes with a $99+tax companion ticket which is valid for use on any paid coach fare. Sadly the companion tickets are no longer useful on paid first class fares.

Citi® / AAdvantage® Executive World Elite™ Mastercard® is offering 75,000 miles after $7500 spend within the first 3 months of cardmembership. This card comes with American Airlines Club membership — and it offers authorized user cards at no additional annual fee. Authorized users get access to American Airlines clubs as well. $40,000 spend on purchases that post to your account during a calendar year earns 10,000 elite qualifying miles. The card’s annual fee is $450.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has an offer to earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.

There’s a $0 annual fee the first year, then $95. Cardmembers receive one free checked bag and preferred boarding.

Cardmembers also earn 10% of redeemed AAdvantage miles back – up to 10,000miles each calendar year.

Citi® / AAdvantage® Gold World Elite™ Mastercard®

Citibank is offering 25,000 bonus miles after just $750 in purchases within the first 3 months of account opening.*

This is a $0 annual fee the first year card, then $50. Cardmembers receive a 25% rebate on inflight food and beverage purchases when using the card onboard American Airlines flights. The card earns 1 mile per dollar, and qualifies you for American’s reduced mileage awards.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Citibank is offering a signup bonus of 30,000 American Airlines AAdvantage miles after $1,000 in purchases within the first 3 months of account opening.

The card provides first checked bag free on domestic American Airlines itineraries — for you and up to 4 others on the same reservation. You also get preferred boarding (great for avoiding having to check carry on bags, also allows you to bring on a full-sized carry on bag even when traveling on a Basic Economy fare).

Spending on the card earns 2 miles per dollar on American Airlines purchases and at telecommunications, car rental merchants and at gas stations (1 mile per dollar on other purchases).

British Airways Visa Signature® Card

Chase is offering a signup bonus of up to 100,000 Avios:

    Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year of account opening for a total of 75,000 bonus Avios. Earn a further 25,000 bonus Avios after you spend $20,000 total on purchases within your first year from account opening for a total of 100,000 bonus Avios.

I actually think it can make real sense to dedicate not just $20,000 spend to this card, but go all the way to $30,000 in a calendar year to earn a Travel Together Ticket good for two years which can double the value of your Avios on a single redemption for 2 people.

Your spending on this $95 annual fee card will earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.

JetBlue Plus Card

  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don’t expire.
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember’s first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card

JetBlue Card

  • Earn 10,000 bonus points after you spend $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • 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
  • No foreign transaction fees

Gold Delta SkyMiles® Credit Card

American Express is offering a signup bonus of 30,000 SkyMiles after $1000 spend on purchases within 3 months of cardmembership along with a $50 statement credit after your first Delta purchase with the card within 3 months. The card has a $0 annual fee the first year and is then $95.

The strongest value proposition for the card is that people who fly Delta but not enough to earn elite status receive some of the key benefits of that status just for being a cardholder, specifically
Priority boarding (which helps avoid having to gate check carryon bags) and first checked bag free on every Delta flight ( a savings of up to $200 per round trip for a family of four, so can more than pay for the annual fee after year one with just a single trip).

Terms apply. See rates and fees

Gold Delta SkyMiles® Business Credit Card

American Express is offering a signup bonus of 30,000 SkyMiles after $1000 spend on purchases within 3 months of cardmembership along with a $50 statement credit after your first Delta purchase with the card within 3 months. The card has a $0 annual fee the first year and is then $95.

The card comes with priority boarding. It has no foreign transaction fees. And you get a statement credit back for 20% of in-flight purchases on Delta.

Terms and limitations apply. See rates and fees

Platinum Delta SkyMiles® Business Credit Card

American Express is offering a signup bonus of 35,000 SkyMiles and 5000 elite qualifying miles after $1000 spend on purchases within 3 months of cardmembership along with a $100 statement credit after your first Delta purchase with the card within 3 months.

The strongest value proposition for the card is that people who fly Delta but not enough to earn elite status receive some of the key benefits of that status just for being a cardholder, specifically
Priority boarding (which helps avoid having to gate check carryon bags) and first checked bag free on every Delta flight. And you get a statement credit back for 20% of in-flight purchases on Delta.

Terms and limitations apply. See rates and fees

Blue Delta SkyMiles® Credit Card from American Express

This no annual fee Delta co-brand card earns 2 miles per dollar at US restaurants and on purchases made directly with Delta, and a full 1 mile on every other eligible dollar spent on purchases — much better than no annual fee airline cards used to offer at just one mile per two dollars spent.

There’s a 10,000 mile signup bonus after $500 in purchases on the card in the first 3 months from approval.

You also receive a 20% statement credit based on spend with the card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

Terms Apply. See Rates & Fees

Southwest Rapid Rewards® Plus Credit Card

This card has a Limited Time Offer: Earn 60,000 points after you spend $2,000 on purchases in the first 3 months your account is open.

Ongoing earn is 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases.

You earn 3,000 bonus points after your cardmember anniversary, a nice incentive to keep the card.

What I like about Southwest is that they have no change fees, you can use your points even to make a speculative booking. It’s always great to have Southwest points around, even if you book mostly international award tickets. You might need a domestic flight to get to the city your international award ticket leaves from. Or book the Southwest flight, and if award availability opens up to include a domestic flight on your other ticket, great, there’s no change fees. Southwest points are great insurance. They don’t have other fees either like checked bag fees or change fees.

And you can always redeem your points for gift cards, too, I find I can always get a minimum of a penny a point in value that way so a 60,000 point signup offer has a floor of $600 in value.

Most importantly the points you earn on the card, including its signup bonus, count towards Southwest’s companion pass which is earned after 110,000 eligible points in a year.

Southwest Rapid Rewards® Premier Credit Card

This card has a Limited Time Offer: Earn 60,000 points after you spend $2,000 on purchases in the first 3 months your account is open.

Ongoing earn is 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases.

You earn 6,000 bonus points after your cardmember anniversary, a nice incentive to keep the card. This is the premium version of the card which also has no foreign transaction fees.

I love that Southwest doesn’t charge change fees and doesn’t charge for checked bags. I’ve been flying them a lot more this year, and having a stash of Southwest points on hand is great for domestic positioning flights for awards when other airlines don’t have connecting availability especially since Rapid Rewards tickets are cancellable without a fee. And at the end of the day you can also redeem your points for gift cards and still get strong value.

And of course arguably the single best benefit in all of travel is the Southwest Companion Pass which is earned after 110,000 points in a year – and credit card points (including signup bonus points) count.

United℠ TravelBank Card

Chase is offering $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open. The card will earn 2% in TravelBank cash per $1 spent on tickets purchased from United and 1.5% per $1 spent on all other purchases. TravelBank cash is used to purchase United tickets.

The card has no foreign transaction fees and will rebate 25% in the form of a statement credit purchases of food and beverages onboard United-operated flights paid for with the card.

There’s a $0 annual fee.

HOTEL CREDIT CARDS

Marriott

Marriott Rewards® Premier Credit Card

The signup bonus for this card lets you earn 80,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening. You can also earn 7,500 bonus points for adding an authorized user to the account and making a purchase within the same 3 month period.

On an ongoing basis spend with this card will earn 5 points for every $1 spent at over 5,700 participating Marriott Rewards and SPG hotels; 2 points for every $1 spent on airline tickets purchased directly with the airlines; at car rental agencies & restaurants and 1 point everywhere else.

The card gives you a Category 1-5 hotel free night stay every year after your account anniversary date, and 15 elite night credits just for having the product.

IHG Rewards Club

IHG® Rewards Club Select Credit Card

Chase has raised the signup bonus offer for this card to earn 80,000 bonus points after spending $1,000 on purchases within the first three months of account opening

This is the program for Intercontinental, Crowne Plaza, Holiday Inn, and related hotel brands. You receive Platinum status as long as you hold the card.

The card lets you earn 5 points 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.

The card has a $0 annual fee the first year, then $49. That makes it less expensive on an annual basis than competitor cards, and two key benefits make the card worth keeping on an ongoing basis: the 10% points rebate on redemptions and the annual free night at your choice of over 5000 participating IHG Rewards Club properties.

Unlike the annual free night co-brand card benefit from Marriott and Hyatt, this one isn’t capped. Unlike one version of an annual earned free night from a Hilton card you aren’t restricted to weekend stays. Thus this is the most valuable free night in my view and at the lowest price point.

Starwood

Starwood Preferred Guest® Credit Card from American Express.

American Express is offering up to 25,000 bonus Starpoints® as a signup bonus after $3,000 in purchases on the new card within the first 3 months.

The card has a $0 introductory annual fee for the first year, then $95.

Points transfer to the largest array of airline programs of any card, and when you transfer points to 20,000 miles at once you get 5000 bonus miles.

Terms apply. See rates and fees.

Starwood Preferred Guest® Business Credit Card from American Express

American Express is offering 25,000 bonus Starpoints® as a signup bonus after you use your new card to make $5,000 in purchases within the first 3 months.

$0 introductory annual fee for the first year, then $95

Points transfer to the largest array of airline programs of any card, and when you transfer points to 20,000 miles at once you get 5000 bonus miles.

Terms apply. See rates and fees.

Hilton HonorsTM Surpass® Card from American Express

This premium American Express co-brand Hilton card is offering 100,000 Hilton Honors points after $3000 in eligible purchases on the card in your first 3 months of cardmembership. This is a limited-time offer ending October 4, 2017.

Plus this card earns a free weekend night on its approval anniversary date (does not include resort or service charges at some properties). Terms Apply.

The card earns 12 Honors points per dollar on eligible Hilton purchases, 6 points per dollar at U.S. restaurants, US supermarkets, and US gas stations, and 3 points per dollar on all other eligible purchases. Terms and limitations apply.

Cardmembers get complimentary Gold status in the Honors program, and $40,000 on eligible purchases each calendar year earns Diamond status through the end of the next calendar year.

Terms apply. See rates and fees.

Hilton Honors™ Card from American Express

Limited Time Offer: You can earn 50,000 Hilton Honors Bonus Points after you spend $1,000 on the card within the first 3 months of account opening plus an additional 25,000 Bonus Points after an additional $1000 in purchases on the card within your first 6 months. This offer expires October 4, 2017.

Earning is 7 Hilton Honors Bonus Points per dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio; 5 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 3 Hilton Honors Bonus Points for all other eligible purchases on your Card.

$20,000 spend on eligible purchases on the card in a calendar year earns Hilton Honors Gold status through the end of the next calendar year.

Terms apply, see rates and fees.

BANK PROGRAM CREDIT CARDS

Chase Ultimate Rewards

Chase Sapphire Preferred® Card Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards® Introductory Annual Fee of $0 the first year, then $95

You can earn another 5,000 bonus points when you add your first authorized user to the account and make a purchase in the same 3 months from account opening.

The card earns 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.

Points transfer to United, Hyatt, Southwest, British Airways, Virgin Atlantic, Singapore Airlines, Korean Air, Air France KLM, Marriott Rewards, IHG Rewards Club, and Ritz-Carlton. Probably the best all-around credit card, and with a great signup bonus.

Ink Business Preferred℠ Credit Card

This new card lets you earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Your spending will earn 3 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. (Of course you earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.)

Employee cards come at no additional cost and there’s a $95 annual fee.

Chase Sapphire Reserve Card earns triple points on travel and dining. Note that this is not my referral link for the card, and information about the product was neither provided nor reviewed by its issuer.

American Express Membership Rewards

Premier Rewards Gold Card from American Express

You’ll earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.

In addition, your spending earns 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases.

There are no foreign transaction fees with this card. It also provides a $100 airline fee credit — up to $100 per year in incidental fees like checked bag fees credited to your statement with the one eligible airline you choose.

In addition you can get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection.

There’s a $0 introductory annual fee for the first year, then $195. Terms Apply. See rates and fees.

The Business Gold Rewards Card from American Express OPEN

Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership

The card earns 3x points on your choice of 1 category out of 5 selections, with the other 4 earning double points. Those categories are airfare purchased directly from airlines; US purchases for advertising in select media; shipping; at US gas stations, and and purchases made directly from select computer hardware, software, and cloud computing providers. (3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter)

There’s a $0 annual fee the first year, then $175. Terms and limitations apply. See rates and fees.

The Platinum Card® from American Express

American Express will let you earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

This card gets complimentary access to American Express Centurion airport lounges. It also provides individual cardmember access to Delta lounges when flying Delta same-day, and a Priority Pass Select membership for cardmember access to lounges that are a part of the Priority Pass network (which includes Alaska Airlines lounges and many international lounges).

The card provides up to $200 a year in statement credits for airline incidental fees like checked bags fees, flight change fees, and onboard snack purchases. (You must select one eligible airline for the year with which to use this benefit, terms apply.)

There’s no foreign currency transaction fees. There are also additional travel benefits like Gold status in the Starwood Preferred Guest program, Hilton Honors and Executive status in the National Car Rental program.

I love the new 5X Membership Rewards® points-earning on flights booked directly with airlines or with American Express Travel.

The card’s annual fee is $550, and it has a new benefit of up to $200 Uber Savings annually. See rates and fees.

The Business Platinum® Card from American Express OPEN

You can earn 75,000 Membership Rewards points as a signup bonus: 50,000 after you spend $10,000 and 25,000 more points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.

You earn 1.5 points per dollar on each eligible purchase of $5,000 or more up to 1 million additional points per year.

The card has recently added a benefit of earning 5 Membership Rewards points per dollar spent on the card on flights and prepaid hotels on amextravel.com. This is valuable in my view for flights, where you don’t give up benefits booking through a third party site. However the card gives you Hilton Honors Gold status and Starwood Gold status (which matches to Marriott status), and you give up status benefits on hotel stays booked through AmexTravel.com.

The card gets you access to American Express Centurion lounges, Delta lounges when flying Delta same day, and a Priority Pass Select card for lounge membership as well.

Terms Apply, see rates and fees.

Amex EveryDay® Credit Card from American Express

This is arguably the single best no fee rewards card in the market — because it’s the only no fee card I know that earns points which transfer one-to-one into a variety of frequent flyer currencies. It’s a full Membership Rewards-earning card.

The signup bonus is 10,000 Membership Reward points after $1,000 in purchases on the card within the first 3 months.

If you make 20 or more purchases on it during a billing period you get a 20% bonus on points earned from your net spend (ie less returns and credits) during that period.

Even though it’s a no fee card earning valuable points, it has a spend category bonus: double points at US supermarkets (up to $6,000 per year in purchases, then one point per dollar). It earns 1 point on other purchases.

Terms apply. See rates and fees.

Amex EveryDay® Preferred Credit Card offers a signup bonus of 15,000 points after $1000 in purchases within your first 3 months of cardmembership.

This $95 annual fee card earns 3 points per dollar spent at US supermarkets (on up to $6000 per year in purchases), 2 points per dollar at US gas stations, and 1 point on other purchases. It also earns a 50% bonus on those purchases each billing period in which you make 30 or more purchases with the card. That means if you use the card for 30 or more purchases each billing cycle you’ll earn 1.5 points per dollar spent — and up to 4.5 points per dollar for US supermarket purchases.

Information about this product was researched independently by View from the Wing. The issuer did not provide its details, and is not responsible for their accuracy.

CITI THANKYOU REWARDS

Citi ThankYou® Premier Card [Offer expired]

Citibank is offering 50,000 bonus points after $4000 in purchases within 3 months of account opening. The card’s $95 annual fee is waived for the first 12 months. It earns triple points on travel including gas and double points on dining out and entertainment.

CAPITAL ONE CARDS

Capital One® Venture® Rewards Credit Card

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
Earning: Earn unlimited 2X miles per dollar on every purchase, every day
Foreign Transaction Fee: None
Annual Fee: $0 intro for first year; $59 after that

Capital One® VentureOne® Rewards Credit Card

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Earning: Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee. Fly any airline, stay at any hotel, anytime. Travel when you want with no blackout dates. Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
Foreign Transaction Fee: None
Annual Fee: $0

Capital One® Spark® Miles for Business

Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.

Current Offer: Enjoy a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening.
Earning: Earn 2 miles per $1 on every purchase, every day. Miles don’t expire, and there are no categories to limit where or what you buy. There’s no limit to the amount of miles you can earn and miles don’t expire. Redeem miles for travel, cash back, gift cards and more. No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions. Annual Fee: $0 intro for first year; $59 after that
Foreign Transaction Fee: None

Capital One® Spark® Cash for Business

Cash back is a better strategy than airline miles for people who use their credit card spending for domestic economy flights, plus of course cash isn’t limited to travel and potentially earns a rate of return when invested!

Current Offer: Enjoy a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
Earning: Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
Annual Fee: $0 intro for first year; $59 after that
Foreign Transaction Fee: None

CASH BACK CARDS

Citi Double Cash is in my view the best cash back card — it’s a no annual fee card that offers 1% back when you make a purchase and another 1% back when you pay off the purchase.

SimplyCash® Plus Business Credit Card from American Express

American Express is offering up to $400 cash back as a signup bonus — a $200 statement credit after you spend $5,000 in qualifying purchases within the first 6 months of cardmembership and an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of cardmembership.

This is a no annual fee card that gives you 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores; 3% back on purchases in your chosen category (from a list of 8); and 1% cash back on other purchases. 3% and 5% earning applies to the first $50,000 in purchases per calendar year, amounts above that revert to 1%.

Terms and limitations apply. See rates and fees.

Fidelity Investment Rewards Visa Signature Card earns 2% back deposited into a Fidelity account and has no annual fee.

The Blue Business℠ Plus Credit Card from American Express

The card earns 2x Membership Rewards points on your first $50,000 in purchases per year (1 point per dollar thereafter). That makes this the best most rewarding card for otherwise-unbonused spend.

There’s no annual fee. Terms apply. See rates and fees.

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.