(If you see any errors or missing cards, feel free to let me know. It’s a lot of information, so I tend to make some mistakes).
Time for the monthly edition of my Top 25 Credit Cards. Again, if you’re a newbie, make sure you read The Newbie Guide. Many of your questions will be answered there. Basic things like not applying for 3 Chase cards at the same time should be known before you continue. For people running out of cards, remember there’s often a Business card option. I listed a few here but not many, so it might be worth exploring more Business cards. Also, “churning” might be an option. The dates here are a guideline but things always tend to vary individually.
- Ink Bold and/or Ink Plus (Chase)
- Spend $5,000 in 3 months. Get 50,000 points.
- The points transfer to United, Southwest, British, Hyatt, etc.
- 5 times the points on purchases at office stores.
- Go to a local Chase branch and ask about the 70,000-point Plus offer.
- Sapphire (Chase)
- Spend $3,000 in 3 months. Get 40,000 points.
- Still very valuable points. See Ink cards above.
- One of my favorite cards to use when I don’t have any spends to meet.
- Starwood Preferred Guest aka SPG (American Express)
- Barclay Arrival (Barclays)
- Spend $3,000 in 3 months. Get 40,000 miles.
- One of the best cards for actual spending, as discussed here.
- American Airlines cards (Citibank)
- Spend $3,000 in 3 months. Get 50,000 miles.
- Read the wiki post for the most current links.
- The 100,000-mile Executive card is long gone. All that remains is 60,000.
- US Airways (Barclays)
- Spend $1. Get 40,000 miles.
- Still a good time to grab your American and US Airways miles.
- United Airlines (Chase)
- Log in and see if you are targeted for the 50,000-mile offer.
- This offer is also being pushed heavily in airports.
- A good business version can be found here.
- Southwest (Chase)
- Spend $2,000 in 3 months. Get 50,000 points.
- Pretty much the worst time of year to work on getting your companion pass.
- Mercedes Benz Platinum (American Express)
- Spend $3,000 in 3 months. Get 50,000 Amex Membership Rewards points.
- Big $475 fee but benefits like global entry credit and $200 credit.
- A no-fee for the first year Platinum card is here.
- Be on the lookout for better targeted Amex offers in your mailbox.
- Platinum (American Express)
- Spend $3,000 in 3 months. Get 40,000 points.
- Temporary increase from the usual 25,000 points.
- Incredible benefits, but $450 annual fee. $200 in credits does help.
- Ritz Carlton (Chase)
- Spend $2,000 in 3 months. Get 70,000 points..
- Read why applying by phone is probably the way to go.
- Older offers discussed here. One for 140,000 points.
- Marriott (Chase)
- Spend $1,000 in 3 months. Get 70,000 points and a free night.
- These point are a little underrated. Also a Business card links here.
- Hilton Honors Reserve (Citibank)
- Spend $2,500 in 4 months. Get 2 weekend nights. Best Hilton card.
- Gold status while you have the card. Upgrades, breakfast, internet, etc.
- They just added a $100 statement credit to this offer.
- British Airways (Chase)
- Spend $2,000 in 3 months. Get 50,000 points.
- 100,000-point offer recently ended (for now).
- Club Carlson Premier (US Bank)
- Spend $2,500 in 90 days. Get 85,000 points.
- Great hotel card and not from the usual issuers.
- InterContinental Hotel aka IHG aka Priority Club (Chase)
- Spend $1,000. Get 80,000 points.
- One of the most underrated hotel cards out there.
- Hyatt (Chase)
- Spend $1,000 in 3 months. Get 2 nights at any Hyatt.
- Even more valuable after the point devaluation.
- Fairmont Hotel (Chase)
- Spend $3,000 in 3 months. Get 2 nights and breakfast at any Fairmont.
- Again, many of these hotels are very expensive.
- Alaska Airlines (Bank of America)
- Spend $1. Get 25,000 miles.
- Offer with statement credit here.
- Bank of America cards can be MUCH more “churnable” than most.
- SimplyCash Business (Amex)
- A very strong cashback card option.
- 3% on chosen category (including gas) and huge 5% at office stores.
- Premier Gold (Amex)
- Possible 50,000 points, rather than the usual 25,000.
- A bit of a pain, but you can see if you’re targeted.
- Propel (Wells Fargo)
- Spend $3,000 in 3 months. Get 40,000 points.
- A decent new offering, and again, it’s always good to see cards from different banks.
- Here’s a solid Business card from Wells Fargo.
- Hawaiian Airlines (Barclays)
- Spend $1,000 in 3 months. Get 35,000 miles.
- Business version is here.
- FlexPerks (US Bank)
- Spend $3,500. Get 20,000 FlexPoints.
- Thanks to Christopher F. for getting me to add this card to the list.
- Venture (Capital One)
- Spend $3,000 in 3 months. Get 40,000 miles.
- Up from 20,000 miles.
- Frontier Airlines (Barclays)
- Spend $500 in 3 months. Get 40,000 miles.
- Frontier miles aren’t for everyone.
- Thank You (Citibank)
- Weird offer. 20,000 points for spending $2,000 in 3 months. Then 30,000 more points for spending $3,000 in first 3 months of 2nd year.
- Bonuses on this card go up/down often.
- Korean (US Bank)
- Spend $1. Get 15,000 miles.
- Down from 30,000-mile offer.
- Business card is here.
- Wyndham (Barclays)
- Spend $1,000 in 90 days. Get 45,000 miles.
- Offer goes up and down. We’re in an “up” time right now.
- Hilton Honors (American Express)
- Spend $750 in 3 months. Get 40,000 points.
- Hilton points are definitely not what they used to be.
- Hilton Honors Surpass (American Express)
- Spend $3,000 in 3 months. Get 60,000 points.
- Get the previous card, and you’ll get tons of offers to upgrade to this one.
- Hilton Honors (Citibank)
- Spend $1,000 in 4 months. Get 40,000 points.
- Between the 4 cards, you have LOTS of Hilton options.
- They added a $50 credit for this one.
- Prestige (Citibank)
- Spend $2,000 in 3 months. Get 30,000 points.
- Nice benefits including $200 credit, but huge $450 annual fee.
- There is also a 60,000-point offer possible if you go into your local branch.
- Asiana (Bank of America)
- Spend $2,500 in 90 days. Get 25,000 miles.
- Meh.
- Virgin America (Comenity)
- 2 different card offers I discussed here.
- Issued by Comenity Bank, which is the best thing about these cards.
- Freedom (Chase)
- Worth having in your collection for the 5% quarterly bonuses.
- No reason to close this one.
- Other semi-decent quarterly bonus cards are the Citi Dividend and Discover It.
- LAN (US Bank)
- 20,000 miles for opening. 3 upgrade coupons each year.
- Down from a 40,000-mile offer.
- Virgin Atlantic (Bank of America)
- Skip this 25,000-mile offer and wait for 50,000 to return.
- Again, Bank of America is more churnable than most.
- Global Entry credit might still be working if you’re looking to save the TSA PreCheck fee.
- Choice Hotel (Barclays)
- You’re truly running out of cards if you’re still reading this far.
- I keep this as the last card mostly out of tradition.
Recently Dropped:
- Delta (Amex) – The 50,00 mile offer just died.
- Business Gold Reward (Amex) – The 50,000 to 100,000 offers will be back.
- Lufthansa (Barclays) – 50,000-mile offer ended. Again, I expect it back.
- LifeMiles (US Bank) – Dropped from 40,000 to 20,000 miles.
- AirTran (Chase) – This one looks to be gone for good.
- Best Western (Barclays) – Again, who really cares?
*Beyond this mile/point list, the following are some great cashback cards*
- JCB Marukai – 3% cashback after $3,000 spending/year. Limited states.
- TD Easy Rewards – 5% cashback select categories for 6 months.
- Wells Fargo – 5% cashback select categories for 6 months.
- Fidelity – 2% cashback.
- Citi Double Cash – 2% cashback.