(If you see any errors, please let me know. I try to keep a full list, but it’s a lot of information and I do make mistakes)
Significant Changes Since Last Month:
-Wyndham 45,000-point link added.
-Barclays Arrival added back.
-IHG up to 100,000.
-Amtrak back up to 30,000 from 20,000.
-Wells Fargo Propel bonus is 30,000 points now.
-Hilton Business 100,000-point offer available.
-Citi ThankYou up from 50,000 to 60,000.
-Lufthansa up to 60,000.
-Bank Of America Travel Rewards up from 20,000 to 25,000.
-FlexPerks personal/Business offering $400 in travel credits. Slight increase.
-Amex Blue Business Plus offering 10,000 points at the moment. If you start an application and don’t finish it, you’ll probably get an email offer for 20,000.
-Ritz card removed.
Before Playing This Game:
-Find a new hobby until you can pay off all balances each month.
-Take a second to look at what you’re applying for and confirm a bonus is what you expect.
-Get a screenshot of the bonus description in case you have issues collecting it later.
-Take 2 minutes to read the small print before applying.
(Look for “once in a lifetime,” “no bonus for cardholders in last 24 months,” etc.)
-Keep everything very organized in a spreadsheet. You’ll thank me later.
Time for my monthly Top 25 Credit Cards. It’s called “Top 25” out of tradition, but you’ll get many more links than that below. Again, if you’re a rookie, make sure you read The Newbie Guide. It’s a little outdated but many basic questions can still be answered there. For people running out of cards, remember there’s often a Business card option. Also, “churning” (getting the same card more than once) might be an option. The dates here were a guideline but things always tend to vary individually. If you’re new, it might be wise to start with Chase cards because of the limitations they’ll place on you soon.
Miles and points are far from an equal currency. 50,000 Delta SkyMiles are worth less to me than that amount from Alaska Airlines. 25,000 Hyatt points mean way more than the same number from Hilton. And so on. These links work right now (August 1st at midnight). If you read this later, many of the offers will have changed. Things move fast so read offer details and terms before applying. Especially all that small print when you’re trying to get bonuses more than once on the same card. Ok, enough chatter…here we go! My “Top 25” current credit cards are below.
Before getting to the main list, I’ve grouped the most popular American Express cards together…
(You can always roll the dice for better Amex offers here, with much better targeted offers in your mailbox, or by checking here)
- Platinum
- Spend $5,000 in 3 months. Get 60,000 Amex Membership Rewards points.
- Schwab link offering same bonus on a different version.
- May still see 75,000 points with regular link in an incognito browser.
- Possible 100,000 points here.
- Small number of readers have seen 100,000 points here in an incognito window, then searching for American Express, then clicking Cards->Charge & Credit Card Offers->Check For Offers.
- Business Platinum
- Earn up to 100,000 points depending on how much you spend.
- Again, for Amex cards, try signing in first. Also try clicking the links in an incognito browser. Play around with these a little bit and you’ll regularly see better offers.
- Some readers are getting a 100,000-point offer by calling 1-800-971-6736 and asking for it. Spend is $10,000 in 3 months.
- Business Gold Rewards
- Spend $10,000 in 3 months. Get 75,000 points.
- Try this link too for $5,000 spend and same bonus.
- Some readers getting the same offer by calling 1-800-971-6736 and asking for it.
- Premier Rewards Gold
Amex offers vary. I listed some of the better scenarios. As always, if you find anything superior, please send me the link so everyone can benefit. Now to the main list…
- Altitude Reserve (US Bank)
- Spend $4,500 in 90 days. Get 50,000 points.
- Bad? $400 fee.
- Good? $325 annual travel credit.
- 3x points on travel & mobile wallet spending.
- Ink Business Preferred (Chase)
- Spend $5,000 in 3 months. Get 80,000 points.
- Some have seen 100,000 points in-branch.
- The points transfer to United, Southwest, British, Hyatt, etc.
- Ink Cash at the same link still gives 5X at office stores. That bonus is currently $500.
- Sapphire Preferred (Chase)
- Spend $4,000 in 3 months. Get 50,000 points. Or 80,000 for big spending.
- These Ultimate Rewards points are very valuable. See Ink.
- Try applying in-branch for 60,000 or 75,000 points.
- Freedom (Chase)
- Worth having in your no-fee collection for the 5% quarterly bonuses.
- Some have gotten 30,000 points ($300) in-branch.
- The $150 is nice but the 3% on everything for a year offer was better for some.
- Premium Rewards (Bank Of America)
- Spend $3,000 in 90 days. Get 50,000 points.
- $100 annual airline credit and Global Entry credit.
- Sapphire Reserve (Chase)
- Spend $4,000 in 3 months. Get 50,000 points.
- Big $450 fee.
- $300 annual travel credit helps.
- Try applying in-branch for 60,000 points.
- Arrival (Barclays)
- Spend $5,000 in 90 days. Get 60,000 points.
- Awesome bonus. Tough card to get approved for if you’ve been busy.
- ThankYou Premier (Citibank)
- Spend $4,000 in 3 months. Get 60,000 points.
- Use an incognito browser if you’re not seeing the offer.
- Southwest (Chase)
- Spend $1,000 in 3 months. Get 40,000 points on Plus or Premier.
- Can always try looking for higher offers via referral links.
- 60,000 for Business.
- There’s a Priority card worth up to 65,000 points with a higher annual fee.
- Best companion pass strategy is to earn 110,000 points early in a year.
- InterContinental Hotel aka IHG aka Priority Club (Chase)
- American Airlines (Citibank and Barclays options)
- Citi – Spend $3,000 in 3 months. Get 60,000 miles. Try asking them to make it 75,000.
(Neither bonus available if any Citi American personal card opened/closed in 24 months) - Citi Business card is here and is up to 70,000 miles.
(No bonus if any Citi American Business card opened/closed in 24 months) - Or 40,000 miles + $100 with this personal or this Business link.
- The Barclays 50,000-mile card is here. Their Business version is here.
- Citi – Spend $3,000 in 3 months. Get 60,000 miles. Try asking them to make it 75,000.
- British Airways or Iberia Plus or Aer Lingus (Chase)
- Spend $3,000 in 3 months. Get 50,000 points.
- Spend $10,000 the first year for 75,000. Spend $20,000 for 100,000.
- United Airlines (Chase)
- Hyatt (Chase)
- Spend $3,000 in 3 months. Get 40,000 points.
- Earn another 20,000 points when spending total of $6,000 in first 6 months.
- Hyatt cards are worth keeping open for some – because of the annual free night.
- Alaska Airlines (Bank of America)
- Marriott (Chase or American Express)
- JetBlue (Barclays)
- This is the Business version. Spend $1,000 in 90 days. Get 40,000 miles.
- Personal version not on the list with the current bonus.
- Asiana (Bank of America)
- Spend $3,000 in 90 days. Get 30,000 miles.
- Some good uses with partners like First Class on Lufthansa.
- FlexPerks (US Bank)
- Lufthansa (Barclays)
- Spend $5,000 in 90 days. Get 60,000 miles.
- Bonus up from 35,000 miles again.
- Propel (Wells Fargo)
- Spend $3,000 in 3 months. Get 30,000 points.
- Some good 3x categories like dining and travel.
- If you bank at Wells Fargo, see what cards are in your account.
- Club Carlson Premier (US Bank)
- Spend $2,500 in 90 days. Get 85,000 points.
- Nice hotel card that’s not from the usual issuers.
- Virgin Atlantic (Bank of America)
- The 75,000 to 90,000 mile offer comes and goes.
- When the link stops working, the regular bonus is obviously inferior.
- Hilton (American Express)
- 4 different cards with a range of bonuses and fees.
- One of those is the Business version.
- Start a Hilton booking and you’ll see a 100,000-point Business offer on the payment page.
- Spark (Capital One)
- Spend $4,500 in 3 months. Get 50,000 miles.
- Redeem the miles for $500 in travel purchases.
- No-fee version of this card might be found in-branch.
- Uber (Barclays)
- Just a $100 bonus but some other strong benefits.
- 4% on dining, 3% on travel, and $600 in phone insurance on this no-fee card.
- Venture (Capital One)
- Spend $3,000 in 3 months. Get 50,000 miles.
- Up from 40,000.
- Hawaiian Airlines (Barclays)
- Spend $3,000 in 90 days. Get 50,000 miles.
- Once that link dies, you can try another one here.
- 60,000 available in-flight.
- Wyndham (Barclays)
- Spend $2,000 in 90 days. Get 45,000 points.
- Free nights go for 15,000 points each.
- Bank Of The West Business (Bank Of The West)
- Spend $5,000 in 90 days. Get 60,000 points.
- Worth $450.
- Limited states.
- Cathay Pacific (Synchrony)
- Spend $2,500 in 90 days. Get 35,000 miles. 60,000 with more spending.
- I like the airline. Not my favorite bank.
- BMO Harris Platinum or Premium (BMO Harris)
- 20,000 or 30,000 points.
- Worth $250 or $375.
- Expires October 31st.
- Aeroplan (TD Bank)
- Spend $1,000 in 3 billing statements. Get 25,000 miles.
- Other cards from TD here.
- Avianca LifeMiles (Banco Popular)
- Bonuses are 20,000 and 40,000.
- These are down from 40,000 and 60,000.
- Korean (US Bank)
- Spend $1. Get 15,000 miles.
- Back down from 30,000. Goes up and down pretty often.
- There’s also a ridiculous version with a $450 fee that you should not consider.
- Visa Infinite (UBS)
- Spend $3,000 in 3 months. Get 25,000 or 50,000 points.
- Big $495 annual fee.
- Even with a $250 airline credit, I’m not a huge fan of this one.
- Amtrak (Bank of America)
- Spend $1,000 in 90 days. Get 30,000 points.
- Back up from 20,000.
- Premier Traveler (PNC)
- Spend $3,000 in 3 months. Get 30,000 points.
- 2% back card if used for travel.
- Limited states.
- Bank Americard Travel Rewards (Bank of America)
- Spend $1,000 in 90 days. Get 25,000 points.
- This is twice the old bonus. Worth $250.
- LATAM (US Bank)
- Spend $2,500 in 120 days. Get 20,000 miles. Extra 5,000 for multiple transactions.
- This bonus has gone up and down often.
- Multiple Business Cards (Bank of America)
- $200 back on each of these with minimal spend.
- Was particularly interesting because it’s Bank of America.
- Frontier Airlines (Barclays)
- Spend $500 in 3 months. Get 40,000 miles.
- These miles kind of suck. Expire after 6 months of no activity.
- TravElite (First Bank of Omaha)
- Decent no-fee card to have.
- Some benefits like Global Entry credit. Register for their Premium Concierge.
- No bonus at the moment. Was 25,000 points.
- Expedia (Citibank)
- Spend $2,000 in 3 months. Get 25,000 points.
- Also a 15,000-point version with no annual fee.
- Everyday (Amex)
- Try for 25,000 points in incognito mode.
- Always worth trying an incognito browser to open the link with Amex cards.
- No annual fee. Preferred has a 15,000-point bonus with a $95 fee. Some seeing 30,000 in incognito browsers.
- Sun Country (First National Bank of Omaha)
- Spend $1,000 in 3 billing cycles. Get 30,000 points.
- Not the most popular airline in the world. Sorry Omaha.
- Best Western (First Bank of Omaha)
- Multiple card options. Up to 70,000 points on one.
- Up to 80,000 points on Business version with big spending.
- Decent. Better than the old Barclays Best Western card.
- Spirit (Bank of America)
- Pro: 15,000 miles after first purchase.
- Con: It’s Spirit Airlines.
- Business link is here.
- Total Rewards (Comenity)
- Spend $750 in 90 days. Get 10,000 points.
- Popular card for Vegas regulars.
- Choice Hotel (Barclays)
- I keep this card last out of tradition.
- Maybe a version with a $25 credit if you start booking a room.
- If you’ve been reading this far, I salute you!
Beyond that mile/point list, the following are some cashback options:
- Alliant – 3% back first year. 2.5% after that. On everything (but not Simon or gift card websites).
- Amex SimplyCash Plus – 3% in chosen category. 5% at office stores.
- Freedom Unlimited – Unlimited 1.5% from Chase.
- PNC Cash Rewards – 4% on gas and 3% at restaurants. Limited states.
- Chase AARP – 3% on gas and restaurants.
- Blue Cash Preferred – 6% on grocery, 3% at gas stations. Some have seen better offer on CardMatch.com.
- Blue Business Plus – 2x on up to $50,000 per year with no category restrictions.
- Discover IT – Double cashback for a year makes this card very attractive.
- USAA Limitless – 2.5% back on everything in some states.
(offer will show if you’re in one of those states) - Wells Fargo – 5% cashback select categories for 6 months.
- US Bank Cash+ – 5% cashback categories that you select.
- Fidelity – 2% cashback.
- Citi Double Cash – 2% cashback.
- BB&T Spectrum – 3% cashback for 90 days, plus bonuses. Limited states.
- B of A Americard Cash Rewards – 2% grocery and 3% gas.
- Capital One Quicksilver – 1.5% cashback.
- Capital One Spark Business – 2% cashback. Big bonus right now.
- Costco Anywhere – 4% gas, 3% restaurant and travel.
- Sam’s Club – 5% gas, 3% restaurant and travel.
Editorial Disclosure: The information on this page is the opinion of the author.
