Hawaiian Airlines MasterCard Review: 80,000 Bonus Miles + Two Free Checked Bags

The Hawaiian Airlines World Elite MasterCard is still going to be around after the Hawaiian/Alaska merger, although as of 10/1 Hawaiian miles will be converted to Atmos points. This card offers special perks on Hawaiian Airlines, which will still run as a separately-named airline after the merger. Here are the highlights.

The best offer available on this card is often the one they announced in-flight. The application asked for a six-digit promo code, but if you don’t have one from a flight, reportedly it is your flight number. I just tried “001234” and it worked fine, and I’ve even used “000000” when the application page accepted it and got the bonus. A recent code from a flight that a reader sent in was 014929.

  • 80,000 bonus miles. 80,000 bonus HawaiianMiles after spending $2,500 on purchases within the first 90 days.
  • One-Time 50% Off Companion Discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
  • $100 annual companion ticket discount each year for roundtrip travel between Hawaii and North America on Hawaiian Airlines.
  • Two free checked bags (primary cardholder only) on Hawaiian Airlines or Alaska Airlines flights booked directly with this card. Now includes sports equipment. Worth up to $140 roundtrip.
  • 3X miles for every $1 spent on purchases made directly from Hawaiian Airlines and Alaska Airlines.
  • 2X miles per $1 spent on gas, dining, and grocery store purchases, and 1X mile per $1 spent on every other purchase.
  • No foreign transaction fees.
  • $99 annual fee.

Bottom line. The Hawaiian Airlines World Elite MasterCard offers a unique set of perks for regular customers of Hawaiian Airlines, including free checked bags and companion ticket discounts.

I don’t receive any commission for this offer. I will be adding this offer to my ongoing list of Top 10 Best Credit Card Bonus Offers.

Air Canada x Chase Sapphire Reserve 5,000 Point Flight Reward Certificate

Air Canada is offering Chase Sapphire Reserve cardholders a free 5,000 Point Flight Reward Certificate, which reduces the costs of your award flight redemption by 5,000 points. You must be enrolled in Aeroplan, register on the site by 8/18, and they will send it to you within 14 days. The certificate expires a year after delivery into your account.

I don’t know if I’ll use it, but I registered as it lasts an entire year. (I’m assuming that Air Canada strike will be resolved soon enough.) Another potential valuable perk if you recently picked up the Chase Sapphire Reserve again as I did, along with all its other perks. I’m still working my way through them all, turning off my old subscriptions and starting them back up as paid by Chase. By the way, that 100k+$500 offer is supposed to “end soon”.

The fine print:

‡ To be eligible for this offer your Chase Sapphire Reserve Credit Card account must be open and not in default and your Aeroplan account must be in good standing at the time of registration and fulfillment. Only members who register between August 5th at 12:01:01 AM EST and 23:59:59 PM EST on August 18th are considered eligible for this offer. Register for the offer by entering your First Name, Last Name, Aeroplan Number, and the last 4 digits of your Chase Sapphire Reserve credit card and click “Register Now”. The offer is only available to the primary cardmember of the Chase Sapphire Reserve Credit Card account and only one 5,000-point flight reward certificate can be earned per Chase Sapphire Reserve Credit Card account. The First Name and Last Name of your Aeroplan account must match the First Name and Last Name of your Chase Sapphire Reserve Credit Card account. Flight reward certificates have no cash value and cannot be exchanged or refunded. For the purposes of this offer, the expiry date of the Flight reward certificate is 365 days after the day that the flight reward certificate is deposited into your Aeroplan account. The flight reward certificate can take up to 14 days to be deposited into your Aeroplan account from the time of registration. For the purposes of this offer, only one Flight Reward Certificate can be earned per Aeroplan account. Chase is not responsible for the provision of, or failure to provide, the stated offer.

Blue Cash Preferred® Card from American Express Review: 6% Cash Back at US Supermarkets ($6,000/Year), Enhanced $120 Disney Streaming Credit

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Updated with improved $120 Disney Streaming Credit (now up to $10 per month with no minimum or bundle required). The card_name is one of my longtime keeper cards even with an annual fee. The headline feature is 6% cash back at US stand-alone supermarkets on up to $6,000 per year in eligible purchases (then 1%), but I also use it for 6% cash back on all my streaming subscriptions. If you spend $100 a week at supermarkets, that alone will earn you over $300 a year in rewards. The welcome offer is also currently very generous. The highlights:

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • 0% Intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be reg_apr,reg_apr_type.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1% after that).
  • 6% cash back on select U.S. streaming subscriptions.
  • 3% cash back at eligible U.S. gas stations.
  • 3% cash back on eligible transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 1% cash back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $120 Disney Streaming Credit. Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred(R) Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • $0 intro annual fee for the first year, then $95.
  • See Rates and Fees

Max out your benefit by buying gift cards at US supermarkets. I use this card to buy gift cards at eligible supermarkets to use up the annual limit and get 6% back. My local Safeway has an entire wall of options, but I usually go with Amazon, Apple, or Starbucks (gifts). You can easily confirm that your purchase still gets 6% cash back on your account online:

Supermarkets details. “US stand-alone supermarkets” means that superstores, convenience stores and warehouse clubs are not considered supermarkets. This means no Super Wal-Mart, no Super Target, no Costco. Examples of merchants that do count (and this is not a complete list!) are (source):

ALDI
FreshDirect
Gelson’s
Hy-Vee
Kings Food Markets
Meijer
ShopRite
Smart & Final
Stop & Shop
Trader Joe’s
Vons
Whole Foods
Winn-Dixie

Gasoline details. “US stand-alone gas stations” means that superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations. This means no Target, no Costco, no Sam’s Club. Examples of merchants that count (again not a complete list!) are Exxon, Mobil, Hess, Shell, Gulf, Murphy USA, Murphy Express.

US Streaming Subscriptions details. These are all included at 6% cash back:

Amazon Music Unlimited
AMC+
Apple Music
Apple TV+
Audible
Britbox
DirecTV Stream (formerly known as AT&T TV or AT&T TV NOW)
Discovery+
Disney+
ESPN+
Fubo TV
HBO Max
Hulu
iHeartRadio
Kindle Unlimited
Luminary
MGM+
MLB.TV
NBA League Pass
Netflix
Pandora
Paramount+
Peacock
Prime Video
Sling TV
SiriusXM Streaming and Satellite
Spotify
Starz
TIDAL Music
YouTube Music Premium
YouTube Premium
YouTube TV

Disney Streaming credit details (worth up to $120 a year). Now, with the enhanced $120 Disney Streaming Credit, you can earn up to $10 back per month as a statement credit when you use your enrolled Blue Cash Preferred® Card to purchase a subscription, or bundle subscription, on DisneyPlus.com, Hulu.com, or Plus.espn.com U.S. websites, now with no minimum purchase requirement. Subscription is subject to auto-renewal.

If you already have this card, you can enroll in this offer here.

Annual fee. There is a $0 intro annual fee for the first year, then $95, but with the improved Disney Streaming credit that works with no minimums from Disney Plus, Hulu, and ESPN+, that can already more than completely offsets any future annual fee on its own. We already pay for Disney+ with no ads, so we already max out the $120 in annual credits.

The 6% cash back category can also quickly help this card earn its keep. The max cap of $6,000 annually works out to a steady averaged rate of $500 a month, which at 6% back would net you $360 cash back in a year vs. $60 at 1% cash back. Heck, simply hitting the $100 mark in a single trip at the supermarket is far too easy these days.

Alternatively, the card_name offers 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%) and other perks but with no annual fee. Terms apply. (See Rates and Fees)

Cash back is officially given in the form of Reward Dollars that can be redeemed as a statement credit, gift cards, and merchandise. You can also use it to offset your Amazon.com purchases at checkout. I usually just stick with statements credit to directly pay down my monthly bill.

Bottom line. The card_name has the key feature of 6% cash back at US supermarkets (on up to $6,000 per year). You can now also get 6% cash back on Netflix/Spotify/HBO Now as well as 3% cash back at US gas stations and transit (Uber/Lyft/train). This has been a “keeper” card for me for many years now. I treat it like one of my 5% cash back cards, except there are no rotating categories or activations to worry about. They also just improved their Disney Streaming credit to be worth up to $10/month ($120 annually), which I also utilize.

Rates and Fees for Blue Cash Preferred® Card from American Express :Rates and Fees for Blue Cash Preferred® Card from American Express

Rates and Fees for Blue Cash Everyday® Card from American Express: Rates and Fees for Blue Cash Everyday® Card from American Express

US Bank Smartly Credit Card Review: More Negative Changes September 2025

Update August 2025: Previously-grandfathered “V1” cardholders should have received both paper and e-mail notifications of new changes that are to be effective 9/15/25. The e-mail subject will be “Important information about your U.S. Bank Smartly Visa Signature Card”. There appears to be two possible sets of new requirements.

The more restrictive version basically changes you to the current version available to new applicants, which requires all qualifying balances to be held in a checking account earning essentially zero interest. There are also new excluded categories like tuition and estimated tax payments.

Updated rewards earning
You will continue to earn unlimited 2% cash back on every purchase with no caps.¹

The way in which you earn a Smartly Earning Bonus will be updated as follows:
Earn up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account(s).¹
– Earn a total of 2.5% cash back with a qualifying balance between $10,000 and $49,999.
– Earn a total of 3% cash back with a qualifying balance between $50,000 and $99,999.
– Earn a total of 4% cash back with a qualifying balance of $100,000 or more.

Not all purchases are eligible to earn the Smartly Earning Bonus. Purchases classified in the categories listed below may be excluded from earning the Smartly Earning bonus:
– Education/school, gift cards, insurance, or tax
– Business-to-business transactions (i.e. advertising services, construction material suppliers, etc.)
– Transactions using third-party bill payment services

These purchases will earn the base 2% cash back and are not calculated as part of the $10,000 billing cycle cap.

The less restrictive version is mostly the same, with the very important difference being that your qualifying balances can still be held in an investment account. Thanks to reader Playc.

Updated rewards earning
You will continue to earn unlimited 2% cash back on every purchase with no caps.¹

The way in which you earn a Smartly Earning Bonus will be updated as follows:
Earn up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly® Savings account and average daily combined qualifying balances in U.S. Bank deposit, trust or investment accounts.¹
– Earn a total of 2.5% cash back with a qualifying balance between $5,000 and $49,999.
– Earn a total of 3% cash back with a qualifying balance between $50,000 and $99,999.
– Earn a total of 4% cash back with a qualifying balance of $100,000 or more.

Not all purchases are eligible to earn the Smartly Earning Bonus. Purchases classified in the categories listed below may be excluded from earning the Smartly Earning bonus:
– Education/school, gift cards, insurance, or tax
– Business-to-business transactions (i.e. advertising services, construction material suppliers, etc.)
– Transactions using third-party bill payment services

These purchases will earn the base 2% cash back and are not calculated as part of the $10,000 billing cycle cap.

Unfortunately, I got the more restrictive version. That means they will have completely changed their advertised and promised features less than 6 months from getting this card. As a result, I will be closing my Smartly Checking, Smartly Savings, Smartly credit card, and US Bank brokerage account. Not a good look for a place that wants to be taken seriously as one of the major nationwide banks. Unreliability is not something most banks want to be known for.

Update 4/15/25: The rumors were true and have taken effect as of 4/15/25. If you have not applied yet, I wouldn’t bother. Given the spending cap and bonus category exclusions, in nearly all cases, the potential lost interest on the required cash deposits (earning no interest) will be higher than any additional potential cash back rewards earned. I consider this now basically a 2% cash back card.

Update 4/8/25: The same Reddit user has posted follow-up details, and they appear to confirm the details of the initial rumor. Please refer to the newest Reddit post, screenshot #1, screenshot #2, and screenshot #3. They appear legitimate in my opinion.

For existing cardholders, no changes have been announced. Everything is the same, for now. No $10k/month spending cap. Balance tiers are the same. Investment account balances still count. No new bonus category exclusions. Hope the grandfathering of loyal customers lasts, as we went through a good amount of trouble moving over significant assets.

For new cardholders that apply after April 14th, this card is no longer attractive above the base 2% cash back. They will require the qualifying deposits to be held in the Smartly Checking or Safe Debit accounts, which earn zero or essentially zero interest. Balances held in a brokerage account no longer qualify. Even balances held in their own Smartly Savings account (currently up to 3.50% APY) no longer qualify. Given the spending cap and bonus category exclusions, in nearly all cases, the potential lost interest on this cash will be higher than the additional potential cash back rewards earned. Goodbye, Smartly, we hardly knew ye.

Update 4/7/25: The rumors have gotten more supporting evidence. Reddit user Zanutrees posted this screenshot from an internal US Bank e-mail that appears to be legitimate. The two most critical quotes:

  • A revised U.S. Bank Smartly Visa Signature® Card is launching soon and will be available for application in branches starting April 14! Resources to help you prepare for the launch of the revised card will become available on Card Central tomorrow, April 8.
  • It is important to note that existing Bank Smartly cardmembers as well as any clients who applied prior to April 14 will receive the original Bank Smartly Card features and benefits; the revised card features and benefits will only affect clients who apply for the card on or after April 14.

Overall, the two actionable responses are the same as below (apply ASAP or never). We just got more support behind the 4/14 deadline and the fact that they will be offering grandfathering (for an unspecified amount of time).

Update 4/2/25: Doctor of Credit reports a Reddit rumor that the US Bank Smartly credit card will be undergoing some major negative changes as of 4/14/25. This includes:

  • Base is still 2% cash back on unlimited amounts. Bonus cash back (up to another 2% for a total of 4%) is capped to $10,000 in purchases per statement cycle.
  • Bonus cash back now excludes: Educational/school, gift cards, insurance, taxes, business to business transactions, and 3rd party bill payments.
  • For new cardmembers after April 14th, only checking account balances count now towards the $10k/$50k/$100k deposit requirements. Critically, savings account balances and investment balances do not count after 4/14 for new cardmembers. Existing customers will be grandfathered in for now.

Again, the above is a rumor. However, I do believe the following are true:

  • There is basically no way that this card can continue to exist without some sort of added restrictions. 4% with no cap simply does not math out, as I guarantee that some people are paying $100,000 in college or private school tuitions, $300,000+ in tax bills on this card, and who knows how many business transactions between “friendly” parties…
  • US Bank has a history of first rolling out a consumer-friendly product, and then later pulling it from the market or changing the features.
  • US Bank also has a history of grandfathering in existing customers of those products and continuing to offer them some/all of the old features.

Therefore, I see two possible actionable responses:

  1. Giving up on this Smartly card and not applying at all, and possibly avoiding the US Bank ecosystem altogether. It’s hard to work with unreliable people. If these changes take place, after 4/14 the lost interest on $100,000 in cash will outweigh the extra 2% by a good margin.
  2. Working extra fast right now in order to open up your US Bank Smartly savings account (this seems to be the easiest to open), then Smartly checking w/ bonus, then the US Bank self-directed brokerage account, fund it with $100,000, and apply for the Smartly credit card all as soon as possible, definitely before the rumored 4/14 deadline. Take advantage of the fact that they probably have to grandfather in these current terms at least for a year or so, otherwise in theory they would be bait-and-switching and might get in trouble.

Since my last update, I opened a new US Bank brokerage account, moved over $101,000 in cash, and then invested it all into the SGOV ETF that holds Treasury Bills. (I could have moved over stock ETFs instead, but I had the cash available.) I then applied for the Smartly credit card and was approved with a $25,000 limit despite my previous lack of “pre-approval”. I was hoping that reaching their top rewards tier first would encourage them to approve my new card, and maybe it helped. I’m okay with accepting the rumored changes as long as they grandfather me in on the brokerage balances; it could have been worse. What do you think?

I just took a quick look at the application page. Everything still looks the same as before as of today. I did take some screenshots in case there are subtle changes later.

Update 11/11/24: Applications for this card are now open. No sign-up bonus. It let me check if I was “pre-approved” with a soft pull (had to unfreeze TransUnion for it to work), but I was not pre-approved. That might be because I recently applied for the Altitude Reserve (now-discontinued) after setting up a Smartly Checking and Savings account to get “in” with them but was getting impatient (was denied for US Bank credit cards in the past without a banking relationship due to my geographic area). Will have to sit this one out for now, but plan to try again later if they don’t pull it quickly.

Original pre-review post:

US Bank recently announced the US Bank Smartly Visa Signature Card, a new rewards credit card that offers up to 4% cash back on all purchases, if you have enough qualifying balances with them. This is the newest entrant to relationship banking, where banks offers you extra perks for combining multiple account types with them like savings accounts and investment/retirement accounts.

The card is not open to applications yet, but you can get on an e-mail waitlist. Here are the details of how that “up to 4% cash back” breaks down according to this US Bank press release and CNBC article.

Base rewards of 2% cash back on all purchases, with no limit. Technically, this card earns 2 points per $1 spent in eligible net purchases. In order get 2% cash back, you must redeem those points into an eligible U.S. Bank checking or savings account.

Bonus rewards of 0.5%, 1% or 2% cash back based on your qualifying combined balances at US Bank. You must also have an open Bank Smartly Savings account. Your qualifying combined balances with U.S. Bank include “open consumer checking account(s), money market savings account(s), savings account(s), CDs and/or IRAs, U.S. Bancorp Investments and personal trust account(s).” Business accounts, commercial accounts, and the Trustee only (IFI) client relationship do not qualify.

  • $5,000 – $49,999.99 earns 2.5% total cash back. Total of 2.5 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 0.5 Points),
  • $50,000 – $99,999.99 earns 3% total cash back. Total of 3 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 1 Point).
  • $100,000+ earns 4% total cash back. Total of 4 Points per $1 (a base of 2 Points plus the Smartly Earning Bonus of 2 Points).

Other bits: CNBC article reports no annual fee. Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Bank Smartly Credit Card and Bank Smartly Savings available in all 50 states.

Bank Smartly savings account. Let’s take a closer look at the Bank Smartly Savings account, which also earns difference rates based on both your balance inside the Smartly savings account itself AND your qualifying combined balances at US Bank. Here’s their current interest rate grid, updated as of 9/3/2024.

Importantly, these rates can change at any time. But right now, if you have at least $25k in Smartly and $25k in combined qualifying combined balances across US Bank, you can get the current top rate of 4.10% APY.

There is also a $5 monthly maintenance fee, which is waived if you have a Bank Smartly® Checking account (or Safe Debit account which also costs $4.95 a month). The Bank Smartly® Checking account itself has a $6.95 monthly fee, waived with $1,500+ average account balance, qualifying U.S. Bank consumer credit card, or combined monthly direct deposits totaling $1,000+.

Therefore, technically if you get this credit card, that would make the Bank Smartly Checking account free, which in turn would make the Bank Smartly Savings account free. Right now there is also a $450 bonus for new Bank Smartly Checking customers with a direct deposit requirement.

Rough opportunity costs with depositing cash at Bank Smartly Savings. Let’s try some rough theoretical numbers. Let’s say you actually have $100,000 in cash lying around, but you could get ~5.10% APY elsewhere and so you would be giving up ~1% APY to park your money at US Bank instead. If you held all of it at Bank Smartly Savings to qualify for the 4% cash back on the credit card, you’d be giving up $1,000 in taxable interest each year ($100,000 x 1%).

In exchange, you are getting 2% extra cash back over your existing, flat 2% cash back card. Cash back rewards are generally considered non-taxable as they are a rebate on your purchase. If you assume a marginal tax rate of 0% (this is just a guess), then you’d need $50,000 in annual purchases ($4,166 a month) at 2% extra cash back to break even with the hit from the lower interest. If you assume a marginal tax rate of 22%, then you’d need a little less: $39,000 in annual purchases ($3,350 a month) at 2% extra cash back to break even with the hit from the lower interest.

US Bank self-directed investments accounts! As with the Bank of America Preferred Rewards program, an alternative way to satisfy the balance requirements with minimal opportunity costs is to transfer over existing assets into a self-directed US Bank brokerage account. For example, you could transfer over $100,000 in index ETFs inside an IRA or taxable brokerage account. This would appear to fully satisfy the requirements as a “U.S. Bancorp Investments” account. This way, US Bank also gets a stronger foothold in the world of wealth management, as all the banks seem to want these days.

Be careful though, as US Bank’s self-directed brokerage account has a slightly higher fee schedule than much of the competition. Stock trades are $4.95 each, although you get 100 free trades per calendar year if you have both a Bank Smartly Checking account and paperless statements. There is a $50 annual account fee and a separate $50 annual IRA fee; these are waived if you have $250,000 in combined statement household balances.

My quick take. If all of these details actually hold through launch, they would be a potential improvement over the best current situation of 2.62% cash back on all purchases via the Bank of America Preferred Rewards program (also requires $100k in assets held at BofA) and a BofA cash back credit card. (The Robinhood 3% credit card is still “coming soon”.) But will it last? Even the BofA 2.62% has remained something of an outlier, but my hunch is that it has encouraged enough of people to keep a ton of cash at BofA earning zero interest so that BofA is still happy overall. Given that this new US Bank program actually offers a decent interest rate and an even higher cash back rate, I am concerned about its longevity. On the other hand, maybe this is US Bank’s big push to become a major player on the national level of Bank of America or Chase.

I’d have to open a lot of new accounts to go for this one. Savings account, brokerage account, credit card, move over assets, all for a bonus that is based on my credit card spend so will trickle in slowly. (None of these have a big upfront bonus.) Given the amount of shady stuff US Bank will probably have to deal with when paying 4% cash back, I’d also have to trust that it will last long enough to be worth the effort.

US Bank has a history of making cards and then pulling them from the market, but sometimes they also let the grandfathered users keep the old perk system. Hmm…

Marriott Bonvoy Business® American Express® Card Review: 125,000 Points Limited-Time Offer

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New limited-time offer, at all-time high values. The card_name is the re-branded business credit card of the Marriott Bonvoy program. This card offers unique perks for Marriott customers, along with a generous new customer incentive. Here are the highlights:

  • Limited-time offer: Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
  • New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
  • Room rate discount: 7% discount on eligible Marriott Bonvoy hotel bookings as a benefit of being both a Marriott Bonvoy(R) member & a Marriott Bonvoy Business(R) American Express(R) Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6X points at hotels participating in the Marriott Bonvoy(R) program.
  • 4X points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2X points on all other eligible purchases.
  • Receive a Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60k in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees.
  • Complimentary Marriott Bonvoy Gold Elite Status with this card.
  • Elite Night Credits: Receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status, each calendar year.
  • Annual fee is $125.
  • See Rates and Fees

Keep in mind the following terms and conditions:

Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy™ Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business™ Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Plus Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase.

This is more specific than before, note the different 30-day, 90-day, and 24-month waiting periods that may now include consumer cards. American Express usually gives you a pop-up warning during the application process if you are ineligible based on their records. This is why you should be looking to get the best possible bonus (like a limited-time offer) when you do apply.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

NEW: Certificates can be combined with up to 15,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. In other words, if your certificate is worth 35,000 points, the maximum hotel value you can redeem for is 50,000 points after adding 15,000 points of your own. if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 65,000 points after adding 15,000 points of your own.

You can use the Marriott free night search tool to price out some sample hotels for yourself. Also, here are details on the Free Night Award Top Off option.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. That means 50,000 Bonvoy points = estimated $350 redeemable value, and 100,000 Bonvoy points = estimated $700 redeemable hotel night value. However, I almost always get closer to 1 cent per point value when I actually choose to redeem. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points.

What can I book with 65,000 points? Based on a few quick searches (log in and try to book with points), the following premium hotels can potentially be booked for 65,000 points or less. (* Marriott no longer publishes a fixed point award chart):

  • The Westin Hapuna Beach Resort, Big Island, Hawaii
  • The Royal Hawaiian in Waikiki, Oahu, Hawaii
  • The Ritz-Carlton, Bali
  • Le Meridien Maldives Resort & Spa
  • JW Marriott Venice Resort & Spa
  • Renaissance Orlando at SeaWorld®
  • Walt Disney World Swan Reserve
  • The Ritz-Carlton Orlando, Grande Lakes

35k Free Night Award (Anniversary). At your card anniversary, you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 or even $125 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that may qualify under the 35,000 point limit (* Marriott no longer publishes a fixed point award chart):

  • Sheraton Kona Resort (Big Island, Hawaii)
  • Courtyard Waikiki Beach (Honolulu, Oahu)
  • Sheraton Kauai Resort (Kauai, Hawaii)
  • W Atlanta
  • New York Marriott at the Brooklyn Bridge
  • Chicago Marriott Downtown Magnificent Mile
  • W Chicago
  • The Ritz-Carlton, Beijing, China
  • The S. Regis Bangkok, Thailand

You can expand this even further if you use the top-off option and look for hotels at up to 50,000 Bonvoy points.

Bottom line. The card_name is the co-branded business card between Marriott hotels and American Express. You also get a Free Night Award at card anniversary, which can be worth much more than the annual fee. Check out the current welcome offer, which can be redeemed for multiple free nights at hotels around the world.

Also see: Top 10 Best Small Business Card Bonus Offers.

(See Rates and Fees)

GigSky: Free Travel eSIM with Many Visa Cards (Signature/Infinite)

GigSky is a travel eSIM provider, which allows you to access cellular data both in the US and internationally in 125+ countries with your existing phone (almost all newer smartphones now support eSIM). They have a promotion that gives you one free eSIM per year for each Visa Signature and/or Visa Infinite credit card that you link with their app, along with up to 30% off paid plans. If you have multiple credit cards, there is a good chance you have at least one Visa Signature. Visa Infinite cards are usually those with $300+ annual fees.

  • Visa Infinite: Free 3 GB / 15-day plan (one per year). Discount of 30% off all paid plans.
  • Visa Signature: Free 1 GB / 15-day plan (one per year). Discount of 20% off all paid plans.

If you link multiple Visa cards, you can get multiple free eSIMs. The value of a 3 GB eSIM is about $10, 1 GB eSIM is about $4, depending on the country. If you want, you can use my referral code at sign-up JONP110 for a 25% off coupon on your first plan purchase, but won’t be that much better than this offer.

I’ve personally used Airalo in the past, which is very similar but what I like about them is that they usually list the specific cellular network(s) that their eSIM uses. Sometimes that matters, for example I have bought a Verizon SIM for certain US national parks with only Verizon cellular coverage. If you want, you can use my Airalo referral link or JONATH1624 for $3 off your first Airalo eSIM.

Hyatt Hotels Points Calendar Tool: Find Award Night Availability

My favorite hotel rewards program is still Hyatt, as they are the least diluted program with the most valuable points. I can almost always get at close to 2 cents per point value, often a lot more. In addition to earning Hyatt points through stays or their co-branded credit card, you can transfer Ultimate Rewards points (including the Chase Sapphire line of cards) and Bilt Rewards points to Hyatt at a 1:1: ratio.

Hyatt just introduced their “Points Calendar” tool which makes it much easier for you to find award nights to use your points. Let’s take the Hyatt Place Waikiki Beach in Honolulu, Hawaii. I just looked for a close-in date and the cash cost after all taxes would be $320 a night for the cheapest Member’s Rate, plus a “daily destination fee” of $38 per night. So that’s $358 a night, or 18,000 points per night, for a value of 2 cents per point. Hyatt award nights include all taxes/fees and also waive daily resort-type fees.

Tip: Hyatt Place Waikiki Beach is also Category 4, which means you can use your Cat 1-4 Free Night Awards at this hotel as well. Pretty solid deal to get ~$360 of value out of a free night certificate.

When you pick the hotel, you’ll have to look for the “Points Calendar” icon:

Now you can see which days are available to book with points without having to check every night or span of nights separately. This is the calendar for August, which is literally days away and during peak season, so I wouldn’t expect it to be completely open. With this tool, you can quickly see exactly which nights you can use your Hyatt points or Free Night Awards. A long-awaited improvement.

Citi ThankYou Points: 1:1 Transfers to Accor ALL Hotel Program (Limited-Time Offer)

Update: Expired, although even the default transfer is still a decent way to get over one cent per point value out of your Citi ThankYou points.

Original, expired post:

If you have a stash of Citi ThankYou points, right now at ThankYou.com you can transfer the to the Accor Live Limitless (ALL) hotels rewards program at a 1:1 ratio. This is double the usual transfer ratio and looks to be a limited-time offer, as it is a potentially very valuable way to redeem ThankYou points.

The Accor Live Limitless (ALL) rewards program offers a straightforward redemption system: 2,000 ALL Reward points = €40 off your hotel bill, which is worth ~$45 USD, depending on the current exchange rate. This means each ALL point is worth ~2.25 cents when redeemed for stays at Accor hotels (such as Sofitel, Novotel, Fairmont, and Mercure). There are no blackout dates, and redemptions can be applied directly at checkout, making ALL points very flexible.

Aeroplan® Credit Card Review: 85,000 Bonus Points (Improved Offer)

Improved offer. The Aeroplan® Card is the Air Canada co-branded credit card for US customers, issued by Chase. If you fly Air Canada regularly, this card makes the experience better in many different ways. If you don’t fly Air Canada regularly, you can still use the new Pay Yourself Back feature where Aeroplan points can be redeemed at 1.25 cents per point towards any eligible travel purchase on ANY airline, for up to 200,000 points per year (for up to $2,500 back). Here are the highlights on the sign-up bonus and Air Canada perks:

  • 85,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • 85,000 points can be redeemed to offset over $1,000 in travel. Redeem points at a rate of 1.25 per point as a statement credit to cover travel purchases including flights, hotels, car rentals, ride-shares and more. Through 12/31/2025, you can redeem up to 200,000 points for up to $2,500 back.
  • Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.
  • Automatically receive Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year, allowing primary cardmembers to enjoy benefits such as priority check-in, early boarding, upgrades and more on Air Canada flights.
  • Each calendar year in which you spend at least $15,000 in purchases you earn Aeroplan 25K Status through the following calendar year.
  • Up to $120 credit toward Global Entry, TSA Precheck or NEXUS every four years (as reimbursement for the application fee charged to your card)
  • No foreign transaction fees.
  • $95 annual fee.

Here is the rewards structure on credit card spending:

  • 3X points on dining, takeout, and eligible delivery services
  • 3X points at grocery stores
  • 3X points on direct purchases at Air Canada
  • 1 point for each dollar spent on all other purchases
  • 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month)

Redeeming Aeroplan points for flights. It is very easy to redeem Aeroplan points on Air Canada, Air Canada Express, or Air Canada Rouge flights because “every Air Canada seat available to buy for cash is also available for points, no restrictions.” You simply run a search like normal on the Air Canada website, and it will tell you upfront the cost in Aeroplan points. It’s quite easy to compare the cash cost side-by-side. In addition, when you have this credit card, you get even better preferred pricing on flights when redeeming points.

Here is an example flight from San Francisco to Vancouver during our March Spring Break period:

At 8,300 miles + CAD$8 for a one-way flight, that means I could get 4 of these SFO-YVR roundtrip flights for 70,000 with some 3,000+ points left over. This means an entire family of four could get their flights covered. The cash cost for the one way was CAD$207 or US$161 at this writing, for a total redemption value of CAD$1,656 or US$1,288.

For a more general idea, here is a link to the Aeroplan rewards chart (PDF). The points required are based on distance.

You can also get excellent value by redeeming your points on a partner airline.

Finally, with this credit card, you get preferred pricing on award flights (less points required):

You, as the primary cardmember will often require fewer Aeroplan points to redeem for flight rewards through the Aeroplan program than Aeroplan Members who do not hold an Aeroplan co-branded Credit Card.

Redeem towards any travel at 1.25 cents per points. Via their Pay Yourself Back(R) feature, Chase allows an alternative option to redeem Aeroplan points at a rate of 1.25 cents per point to cover travel purchases including airline flights, hotels, cruises, car rentals, rideshares, parking lots, and more. This provides a nice minimum floor on the value of an Aeroplan point. More Aeroplan Pay Yourself Back details here. Here are the updated eligible categories for 2025, which include eligible restaurants and grocery stores:

Pay Yourself Back®
Aeroplan® points may be redeemed for a statement credit using Pay Yourself Back for purchases made at select merchants within the 90 days before the redemption request date.? Redemptions using Pay Yourself Back against the following purchases made with your credit card will qualify: travel purchases and the prior payment of your annual fee. Currently, purchases made in the following promotional categories will also qualify: dining at restaurants (including takeout and eligible delivery services), grocery stores (including eligible delivery services, excluding Target, Walmart and wholesale clubs). Each point you redeem through Pay Yourself Back for a statement credit towards qualifying travel purchases (up to 200,000 points or $2,500 annually) and the prior payment of your annual fee is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value. Each point you redeem through Pay Yourself Back for a statement credit towards qualifying purchases in promotional categories is worth $.008, which means that 100 points equals $.80 in redemption value. Valid through December 31, 2025.

Here’s all of what counts as “Travel”:

Merchants in this category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.

Personal experience. I have had this card, and here is why I renewed and paid the annual fee for another year. There are a lot of little things with this card that makes travel better.

  • You get 25K elite status on Air Canada with this card (25K automatically for the remainder of the first calendar year, plus the following calendar year, later years with eligible spending), and that lets you check in using the speedy priority line with helpful humans! The same line as business class ticket holders. This 1 on 1 person can help you make flight changes, fix seats, check bags and just make flying smoother rather than trying to flag down the kiosk person trying to help 30 people at once.
  • 25K status lets you pick better seats for free and gives you a 50% discount on the preferred seats with extra legroom on (non-basic) Flex economy fares.
  • 25K status gets you Zone 2 boarding even on basic economy tickets, which is very early. You know how the line is usually split between “1st class/fancy folks” and “everyone else”? You get to board in the fancy folks line.
  • Free checked bags for you and all travel companions with the card. For me, that means my family can check 5 bags for free. 25K status also gives the person with status 2 free checked bags.

Basically, this card helps me feel closer to a business class passenger when I just buy economy tickets and pay for the extra legroom seats. I get the nice check-in line, no hassles with checked bags, TSA PreCheck for security, and true priority boarding so no stress about carry-on space.

Bottom line. The Aeroplan® Card offers a generous sign-up bonus (redeemable for multiple Air Canada flights or use the Pay Yourself Back feature to offset travel purchased from ANY airline or hotel) and Air Canada flight perks (including free first checked bag and elite status).

I will be adding this offer to the Top 10 Best Credit Card Bonus Offers.

The information for the Aeroplan® Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

Virgin Red Rewards Credit Card: 60,000 Bonus Points (Improved Offer)

The Virgin Red Rewards credit card is the co-branded card for Virgin Red, the loyalty program for Virgin Atlantic flights, Virgin Hotels and Virgin Voyages. In addition, Virgin points can be used for other things like Delta Airlines flights, Legoland tickers, all the way down to a bag of AMC movie popcorn. Right now, there is an improved offer, so let’s take a closer look.

  • 60,000 Virgin Points on new accounts when you spend $4,000 in your first 90 days.
  • 3X Virgin Points per $1 spent on Virgin Atlantic, Virgin Hotels and Virgin Voyages.
  • 2X Virgin Points per $1 spent at grocery stores, on dining out, select streaming services and EV charging.
  • 1 Virgin Point per $1 spent on everything else.
  • Spend $15,000 in a year to choose one Personal Perk, or $30,000 to choose two. Options include Flying Club reward voucher for a companion seat or cabin upgrade (Virgin Atlantic), a free night stay or priority upgrade (Virgin Hotel), or a $150/$300 Bar Tab credit or Blue Extras perk package (Virgin Voyages).
  • Book two nights at a Virgin Hotel, get your third night free with this card.
  • Add an authorized user and earn 2,500 Virgin Points. Maximum of 10,000 Virgin Points.
  • Earn Tier Points with Virgin Atlantic Flying Club. Earn 25 Tier Points for $2,500 of qualifying spend, up to 50 Tier Points a month.
  • Anniversary bonus: 5,000 Virgin Points every year you renew.
  • $99 annual fee.

This card is currently a Mastercard issued by Synchrony Bank. While Synchrony is not my favorite issuer, that can actually be a good thing once if you’ve already gotten many of the other popular rewards cards and they start to turn you away…

What can you redeem Virgin Points for? First, a quick reminder that there are both Virgin Red points and Virgin Flying Club points. Although they are separate programs, you can link your accounts together and use your points across both programs.

You can redeem Virgin points for free flights on Virgin Atlantic Airlines, including Economy, Premium Economy, and Upper (First) Class. There is no fixed award chart, but you can use this Reward Seat Checker tool to see what is available. Here are the best case scenarios for a Saver reward, which are very limited. You’ll also have to watch out for carrier-imposed surcharges, which are not included.

The US partner airlines include Delta Airlines. There are also a variety of international partner airlines including both SkyTeam (Air France/KLM) and non-SkyTeam (like ANA), which I won’t go into detail here. (As of June 30, 2025, Virgin Red members can no longer redeem Virgin Points for Hawaiian Airlines flights.)

For Delta Airlines, here are the one-way costs for domestic flights within the US, excluding taxes, fees and carrier-imposed surcharges. The cost is based on distance, so it can be a relatively better deal for shorter Delta flights within the US.

Lots of incoming transfer partners. Even if you rarely/never fly Virgin, a positive feature is that there are many ways to get Virgin points if you need some extra to meet a redemption. These are all the programs that transfer into Virgin Red points at a 1:1 ratio:

  • American Express Membership Rewards
  • Chase Ultimate Rewards
  • Bilt Rewards
  • Capital One Miles
  • Citi ThankYou Rewards
  • Wells Fargo

You can also transfer from Marriott Bonvoy at a different 3:1 ratio (plus possible 5,000 bonus miles for every 60,000 points transferred).

Like most co-branded credit cards, the value depends a lot on how often you already use Virgin products. As someone who has never used any Virgin product, my plan for this card would be instead to use the bonus points within the first year on economy Delta flights for my entire family. I’d transfer enough points over from another program to top off the account and use them all at once. I’ll have to see if Delta flies to where we want to go and calculate the cost based on distance.

Bottom line. The Virgin Red Rewards credit card is the co-branded card for Virgin Atlantic flights, Virgin Hotels and Virgin Voyages. Right now, there is an improved offer of 60,000 bonus Virgin points, which are can be redeemed towards airfare on Virgin Atlantic or Delta Airlines, along with some other partner airlines.

I do believe it is reasonably easy to get $600+ of flight value out of 60,000 Virgin points, so I will be adding this card to my list of Top 10 Best Credit Card Bonus Offers.

The information for the Virgin Red Rewards credit card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

Citi AAdvantage Platinum Select Credit Card Review: 80,000 Bonus Miles (Limited-Time Offer)

Limited-time offer. The Citi AAdvantage Platinum Select World Elite Mastercard is the co-branded American Airlines card from Citi. Here are the updated card highlights:

  • 80,000 American Airlines miles after $3,500 in purchases within the first 4 months of account opening.
  • First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation – savings of up to $400 per round trip.
  • 2X AAdvantage® miles for every $1 spent at gas stations
  • 2X AAdvantage® miles for every $1 spent at restaurants
  • 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.
  • $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
  • No Foreign Transaction Fees*
  • Preferred boarding on American Airlines flights
  • 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights
  • $0 intro annual fee for the first year, then $99.

Bonus details. Note the following language for the personal card, which has been changed from 24 to 48 months. Having the business version is okay.

AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Platinum Select® account in the past 48 months.

To clarify, you can have one of both the consumer version of this card and the CitiBusiness® version designed for businesses under your name. The bonuses are also separate.

Baggage fee value. American Airlines recently announced they are going to charge a whopping $40 one-way for the first checked bag if you don’t prepay online ($35 if you prepay online). That’s $80 roundtrip for a single checked bag, per person. With this card, your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. $80 roundtrip x 5 people = $400 potential benefit.

Bottom line.  The Citi® / AAdvantage® Platinum® Select® World® Elite® Mastercard® has® a® nice® bonus® offer®. As with most of these co-branded cards, a lot of the ongoing value comes when you fly on American and utilize the free first checked bag benefit for you and up to 4 companions (value of up to $80 per person, round-trip).

Also see: Top 10 Best Credit Card Bonus Offers.

Top 10 Best Small Business Credit Card Bonus Offers – September 2025

Updated September 2025. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, DoorDash, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Amex Platinum 200k, Delta 90k, Marriott 125k, CSR 200k, Venture X 350k, Citi AA 75k, Spark $2,000, Amex Gold 100k.
  • Removed Hilton 175k, Alaska 70k, Marriott 125k, Hyatt 60k+FreeNightAward, JetBlue 60k, Ink Unlimited $900.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

The Business Platinum® Card from American Express

  • 200,000 Membership Rewards® points after $20,000 in eligible purchases in the first 3 months. See link for details.
  • American Express Global Lounge Collection® provides complimentary access to more than 1,400 airport lounges across 140 countries and counting, including their exclusive Centurion® Lounge.
  • Unlock over $2,500 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds.
  • $895 annual fee.
  • See Rates and Fees

Chase Sapphire Reserve® for Business Card

  • 200,000 Ultimate Rewards points after $30,000 in purchases in the first 6 months. See link for details.
  • $300 Annual Travel Credit, plus a long list of other credits – Curated Gift Card, Google Workspace, ZipRecruiter Credit, DoorDash, Lyft.
  • Up to $120 Global Entry or $85 TSA PreCheck fee credit.
  • $795 annual fee.

Delta SkyMiles® Gold Business American Express Card

  • Limited-time offer: 90,000 Bonus Miles after $6,000 in eligible purchases in first 6 months of Card Membership. Offer Ends 10/29/2025. See link for details.
  • 90,000 Skymiles are worth at least $900 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($70 value per roundtrip, per person).
  • $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
  • $0 introductory Annual Fee for the first year, then $150.
  • See Rates and Fees

Capital One Spark Cash Plus Card

  • $2,000 cash bonus after $30,000 in purchases in the first 3 months. Additional $2,000 cash bonus for every $500K spent during the first year. See link for details.
  • Unlimited 2% cash back spent on all purchases with no limit.
  • $150 annual fee; Spend $150,000 annually and Capital One will refund this fee every year.

American Express® Business Gold Card

  • 100,000 Membership Rewards points after $15,000 in eligible purchases in the first 3 months. See link for details.
  • Up to $240 Annual Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment is required.
  • Up to $155 Annual Walmart+ Credit. Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Enrollment is required.
  • Annual fee is $375.
  • See Rates and Fees

Capital One Venture X Business Card

  • 150,000 Bonus Miles once you spend $30,000 in the first 3 months. 150,000 Miles can be redeemed for $1,500 towards travel (including airfare and hotel stays). See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One’s travel booking site.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Lounge access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass(TM) lounges, after enrollment.
  • Up to a $120 credit for Global Entry or TSA PreCheck(R).
  • $395 annual fee.

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 65,000 American Airlines miles after $4,000 in purchases in first the 4 months. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions (Up to $80 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Ink Business Preferred® Credit Card

  • 90,000 Ultimate Rewards points (worth $900 straight cash back or $1,125 toward travel when redeemed through Chase Travel) after $8,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.*

The Hilton Honors American Express Business Card

  • 150,000 Hilton Honors Bonus Points after $8,000 in purchases in your first 6 months. Plus an additional 25,000 Hilton Honors Bonus points after an additional $2,000 in purchases within your first 6 months of Card Membership. Offer Ends 8/13/2025.
  • Up to $240 in Annual Hilton Credits. Get up to $240 back each year on eligible Hilton purchases made on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
  • $195 annual fee.
  • See Rates and Fees

Marriott Bonvoy Business® American Express® Card

  • 125,000 Marriott Bonvoy points after $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Limited-time offer ends 10/22/2025. See link for details.
  • Additional Free Night Award upon card anniversary (worth up to 35,000 Bonvoy points). Earn another additional Free Night Award after spending $60K in purchases on your Card in a calendar year.Free Night Awards are valid at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
  • Annual fee is $125.
  • See Rates and Fees

Hawaiian Airlines Business MasterCard

  • 50,000 Hawaiian miles after $4,000 in purchases in first 90 days. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

BofA Business Advantage Unlimited Cash Rewards card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 1.5% cash back on all purchases, which can be increased to 2.62% cash back when combined with the Preferred Rewards program.
  • No annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 120 days. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

JetBlue Business Card

  • 50,000 TrueBlue points after $2,000 in purchases in first 90 days and paying the annual fee. See link for details.
  • First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

  • 60,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $70 roundtrip per person).
  • $70 annual fee for company, plus $25 per card.

Capital One Spark Cash Select Card

  • $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
  • Unlimited 1.5% cash back spent on all purchases with no limit.
  • No annual fee.

* Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

American Express(R) Business Gold Card: See Rates and Fees. The Business Platinum(R) Card from American Express: See Rates and Fees. The Hilton Honors American Express Business Card: See Rates and Fees. Marriott Bonvoy Business(TM) Card from American Express(R): See Rates and Fees. Delta SkyMiles(R) Gold Business American Express Card: See Rates and Fees