While the consumer card list is dominated by 75K offers for transferable points cards, Hilton, AA, and Wyndham have made their way onto my list as well. Meanwhile, on the business card list, you’ll see that Bonvoy and Wyndham have found their way onto my list alongside the usual cast of transferable points business cards.
Below you’ll find my picks and a dash of analysis for the top 5 6 consumer card offers and the top 5 6 business card offers.
Background
Our Best Credit Card Offers page always shows the best offers sorted overall and within each card issuer by estimated first year value. This is a great non-biased way to compare credit card offers, but it misses nuances such as whether or not the rewards are easy to use, whether or not the card is worth keeping long term, etc. With this monthly series, I list my top consumer offers and top business offers, but with a small dash of analysis for each.
Top 6 Consumer Card Offers
OK, yeah, I’m cheating with 6 offers instead of just 5…
Chase Sapphire Preferred: 75K
| Card Offer and Details |
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75K points ⓘ Affiliate 75K after $4K spend in 3 months$95 Annual Fee Alternate Offer: There may be elevated offers available by applying in-branch A similar offer with the first year annual fee waived may be found in-branch. YMMV. FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ Free DashPass through 2025 ✦ Transfer points to airline & hotel partners ✦ $50 annual credit for hotel stays booked through Chase ✦ $15 quarterly Instacart credit ✦ 6 months free Instacart+ |
This is a great offer for an excellent card.
Application Tips: If you apply and are denied, you still have a good chance. Call the reconsideration line (1-888-270-2127) to ask for the decision to be reconsidered. If you currently hold other consumer Chase cards, tell the agent that you are not looking for more credit and you are happy to move credit from another card to open this one. If they tell you incorrectly that you have opened 5 or more cards in the past 24 months, check whether you are an authorized user on some cards that have been opened in that time frame. If so, tell the agent that you are an authorized user and you are not responsible for those credit lines.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
See also:
Citi Strata Premier: 75K
| Card Offer and Details |
|---|
75K Points ⓘ Non-Affiliate 75,000 points after $4,000 spend in 3 months$95 Annual Fee FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash and Citi Rewards+. Click here for our complete card review Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies ✦ 10X hotels, car rentals, and attractions booked through Citi Travel℠ Card Info: Mastercard World Elite issued by Citi. This card has no foreign currency conversion fees. Noteworthy perks: Transfer points to airline partners ✦ $100 Annual Hotel Savings Benefit ($100 off a $500+ hotel stay, excluding taxes and fees, when booked through Citi Travel) ✦ Travel protections See also: Citi ThankYou Rewards Complete Guide |
This is nearly as good as the all-time-best 80K offer that we saw last year. The Citi Strata Premier card offers excellent earnings on spend (3X grocery; 3X dining; 3X gas stations; 3X flights, hotels, travel agencies) and unlocks the ability to transfer ThankYou points to airline and hotel programs.
See also:
- Citi ThankYou Rewards Complete Guide
- Citi Premier Card Complete Guide
- How to use your Citi ThankYou point fortune
- Citi’s awesome trio –Double Cash, Premier, Rewards+.
Capital One Venture X: 75K
| Card Offer |
|---|
75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees)$395 Annual Fee Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year |
This is a very good welcome bonus for an excellent card. This is an excellent card to get and to keep. The $395 annual fee is justified by its annual $300 travel credits and 10K bonus “miles” each anniversary. Then, the rest of the card’s features are gravy: earn 2x transferable points everywhere, free authorized users, Priority Pass membership with free guests for you and your authorized users (but unfortunately without Priority Pass restaurants or experiences), cell phone insurance, access to Capital One lounges, etc.
See also: Everything you want to know about Capital One and the Venture X
Hilton Surpass: 130K + free night
| Card Offer |
|---|
Limited Time Offer: 130K points + Free Night Certificate ⓘ Friend-Referral 130K points + free night certificate after $3K spend within the first 6 months. Terms apply. (Offer Expires 7/31/2024)$150 Annual Fee After clicking through, be sure to select the card you want on the next page. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None, this is the best that we've seen. |
This combination of 130,000 points plus a free night after only $3,000 spend in 6 months is hard to beat! Hilton’s free night certificates can be used at nearly any Hilton hotel worldwide when standard rooms are available. A great option is for a couple to each apply so that you’ll have the opportunity to get 2 free nights plus the ability to spend $15K on each card for additional free nights.
American Airlines: 70K after adding user + first purchase
| Card Offer |
|---|
Up to 70K Miles ⓘ Friend-Referral Up to 70K miles: 60k miles after 1st purchase and paying the annual fee within 90 days + 10K miles when you add an authorized user & they make a purchase within first 90 days.$99 Annual Fee Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] |
It’s rare these days to see a compelling welcome bonus that doesn’t require much spend. You can meet the requirements of this offer simply by adding an authorized user and using each card to buy a cup of coffee. Plus, if you’re interested in eventually getting the best AA card on the market (see this post for details) you need to start with the Aviator Red and look for an upgrade offer.
Wyndham: 100K
| Card Offer |
|---|
100K Points ⓘ Non-Affiliate 100K points after $2K spend in first 6 months$75 Annual Fee Recent better offer: None, this is best we've seen. |
While the business version of this card is a better choice overall, the chance here to earn 100,000 points after only $2,000 spend is hard to ignore.
More Great Consumer Card Offers
Here is an unfiltered list of all of the consumer rewards cards we track sorted by best estimated first year value (e.g. sorted with the best welcome bonuses on top):
| Card Offer Mini |
|---|
 Hilton Honors American Express Aspire Card Limited Time Offer: 175K Points + free night certificate ⓘ $1136 1st Yr Value Estimate |
 Capital One Venture Rewards Credit Card 75K Miles + up to $200 in statement credits ⓘ $1089 1st Yr Value Estimate |
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 Hilton Honors American Express Surpass® Card Limited Time Offer: 130K points + Free Night Certificate ⓘ $897 1st Yr Value Estimate |
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 Hilton Honors American Express Card Limited Time Offer: 70K points + Free Night Certificate ⓘ $625 1st Yr Value Estimate |
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 Emirates Skywards Rewards World Elite Mastercard 30K Miles + 1 Year Silver status ⓘ $240 1st Yr Value Estimate |
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 Schwab Investor Card® from American Express $200 Cash Back as a statement credit ⓘ $185 1st Yr Value Estimate |
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 Discover it Miles - Double Miles your first year $100 + First Year Double ⓘ $100 1st Yr Value Estimate |
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 Emirates Skywards Premium World Elite Mastercard 40K Miles + 1 Year Gold status ⓘ $-30 1st Yr Value Estimate |
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Top 6 Business Card Offers
I’m cheating with 6 offers instead of 5…
More:
You must have a business (but you probably do): In order to apply for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
Amex Business Platinum: 250K
This offer is absolutely spectacular, but it requires quite a bit of work and luck to find it. Some steps that seem to work include:
- Using a fresh browser
- Using a VPN in either Dallas or Denver
- Searching for “American Express Business Platinum” in a search engine. It seems most common to come across a 190K offer, but some have been able to trigger 250K by waiting for that 190K landing page to expire and then hitting “refresh”.
See the comments in this post for examples where people have been able to generate this offer.
Note: Once you find the offer, apply without logging in to your American Express account.
Amex Business Gold 130K
| Card Offer |
|---|
130K Points ⓘ Friend-Referral 130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)$375 Annual Fee Alternate Offer: Some people can find a targeted offer for up to 150K points. See this for more details.. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: (Expired 2/1/24) 130K referral offer after $10K in spend |
This is a great offer for anyone can meet the big spend requirement. Additionally, the card’s $20 per month rebate on eligible purchases at FedEx, Grubhub, and office supply stores help to cushion the annual fee.
Note: You may be able to find an even better offer. See this post: Amex Business Gold: 150k offer available online and by phone (targeted).
See also: American Express Business Gold Credit Card Review
Capital One Venture X Business Card: 150K
| Card Offer |
|---|
150K Miles ⓘ Affiliate Earn a one-time bonus of 150K miles after $30K spend in the first 3 months$395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. |
The Venture X Business card is almost identical to the consumer Venture X, but it is a business charge card. Both cards offer excellent perks and basically pay for themselves with their annual point bonuses and travel credits. One big difference between this card and its consumer card twin is that the business version doesn’t offer Priority Pass for employee cards (the consumer version offers free Priority Pass for each free authorized user card), but the business version does let you use Priority Pass at restaurants and for experiences while the consumer card’s Priority Pass can only be used for airport lounges.
See also: Capital One “Miles” Complete Guide.
Bonvoy Business: 5 50K Nights
| Card Offer |
|---|
Limited Time Offer: Earn 5 Free Night Awards - Valued at up to 50K points each, up to 250K points total. ⓘ Affiliate Earn five 50k free night certificates after $8K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees) (Offer Expires 7/10/2024)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 3/20/24) |
This is an excellent offer for this card. If you’re interested in staying in high tier, but not necessarily top of the line luxury, Marriott hotels, you should be able to do very well with these certificates. Keep in mind, though, that five 50K certs are not worth nearly as much as 250K points for several reasons:
- Fifth Night Free Awards don’t work with certificates. Marriott’s “Stay for 5, Pay for 4” awards only work with points-awards.
- Certificates expire. Points don’t. As long as you have activity in your Marriott account at least once every 24 months, your points will never expire. These free night certificates, though, expire after a year.
- Points are much more flexible. 50,000 points can be used to book one 50K night, two 25K nights, four 12.5K nights, etc. A 50K cert, meanwhile, can only be used to book a single night costing 50K points or less, or it can be topped off with points to book a single night costing up to 65K. Plus, the certificate has no residual value if you use it for a night that costs less than 50K points.
See also: Marriott Bonvoy Complete Guide
Ink Business Cash: 75K + great 5X categories
| Card Offer |
|---|
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. In addition, 10% Business Relationship bonus if you have the Ink Business Cash and a Chase Business Checking account on your first anniversary.No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
This fee-free card belongs in every point collector’s wallet. It offers 5X for office supplies and 5X for phone service, cable TV, and internet (on up to $25,000 in total purchases in 5X categories annually). Many families would do well to setup their phone, TV, and internet bills to autopay from the Ink Business Cash card in order to earn 5X rewards without any effort whatsoever. Those willing to do a little bit of work will find that stores like Staples and Office Depot sell lots of gift cards in-store; and Staples.com sells them online. In both cases, you’ll earn 5X buying gift cards so that you can ultimately buy what you really want.
See also: How to sign up for Chase Ink cards
Wyndham Business Card: 100K + Diamond Status
| Card Offer |
|---|
100K Points ⓘ Non-Affiliate 50K after after $4K spend in first 90 days, additional 50K after a total of $15K spend in first year$95 Annual Fee Recent better offer: None, this is best we've seen. |
This is a great offer for an excellent card. I’m a fan of the Wyndham Earner Business card for the following reasons:
- 15K annual point bonus: The annual point bonus alone is worth the card’s $95 annual fee.
- Automatic 10% discount on awards: Awards that usually cost 15K points will cost 13,500 points once you have the card. Similarly, 30K awards will cost 27K.
- Vacasa Vacation Rentals: It’s possible to book amazing vacation rentals for as low as 13,500 points per night. See: How to book Vacasa Vacation Rentals with Wyndham points
- Wyndham Diamond status: With this status you can get suite upgrades (including on free nights), welcome amenity, and ability to gift Gold status to others. Even better, Wyndham Diamond status freely matches to Caesar’s Diamond which offers perks like waived resort fees, free $100 Celebration dinner (read Nick’s Celebration Dinner trip report here), and makes it possible to get free cruises: How to get free cruises by gaming casino status matches
- Strong earnings for gas station purchases (8X), Wyndham hotels (8X), and utilities (5X)
- Won’t add to your 5/24 Count: Business cards from most issuers (including Barclays) do not show as accounts on your personal credit reports and therefore do not add to your Chase 5/24 count.
See also: New Wyndham Earner credit cards review: Surprisingly strong
More Great Business Card Offers
Here is an unfiltered list of all of the business rewards cards we track sorted by best estimated first year value (e.g. sorted with the best welcome bonuses on top):
| Card Offer Mini |
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 Marriott Bonvoy Business® American Express® Card Limited Time Offer: Earn 5 Free Night Awards - Valued at up to 50K points each, up to 250K points total. ⓘ $1363 1st Yr Value Estimate |
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 Hilton Honors American Express Business Card Limited-time offer: 175K Points ⓘ $520 1st Yr Value Estimate |
 Business Advantage Unlimited Cash Rewards credit card $500 statement credit ⓘ $425 1st Yr Value Estimate |
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 The Blue Business® Plus Credit Card from American Express 15K points + 0% APR for 12 months ⓘ $236 1st Yr Value Estimate |
 The American Express Blue Business Cash  Card$250 back + 0% APR for 12 months ⓘ $220 1st Yr Value Estimate |
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The post Greg’s top 10 picks (best of the best card offers) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.