The American Express® Business Gold Card is a premium card for small businesses with excellent features like purchase price protection, travel accident insurance, car rental coverage, and the famous AMEX extended warranty that actually pays out. The card features have been changed as of October 2023 to include new rewards categories and perks. Here are the highlights:

• Welcome Offer: Earn 70,000 Membership Rewards(R) points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
• 4X Membership Rewards(R) points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• $240 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. This can be an annual savings of up to $240. Enrollment required.
• $155 Walmart+ Credit annually. Get $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. $12.95 plus applicable taxes.
• Choose your card design: Gold or Rose Gold.
• Annual fee is $375. (See Rates and Fees)
• *Terms Apply.

The six eligible categories for the 4X Membership Rewards(R) points are:

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• Purchases at US media providers for advertising in select media (online, TV, radio)
• U.S. purchases made from electronic goods retailers and software & cloud system providers
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

Membership Rewards points can be converted to the following airline and hotel programs (there are more, this is just a selection):

• Delta SkyMiles
• Hawaiian Airlines
• JetBlue
• ANA Mileage Club (partner of United Airlines)
• Air Canada (partner of United Airlines)
• British Airways (partner of American Airlines)
• FlyingBlue (Air France/KLM)
• Singapore Airlines
• Virgin Atlantic
• Choice Privileges
• Hilton Honors
• Marriott Bonvoy

Business card eligibility. Many people aren’t aware that they can apply for business cards, even if they are not a corporation or LLC. Sole proprietors are a small business. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

This card will require you to personally guarantee that you’ll pay them back what you purchase with the card, which means they’ll check your personal credit score like any other consumer card. However, as the card is a business card, American Express won’t have it show up on your personal credit report, so it won’t change things like your credit limits, average account age, or credit utilization ratio.

Bottom line. The new American Express® Business Gold Card is a premium business card that includes the classic American Express features like excellent customer service and customer-friendly protections. The card now offers the ability to earn 4X Membership Rewards® points on the 2 categories where your business spent the most each month, on up to $150,000 in combined purchases from these categories each calendar year. There is also a welcome offer for new applicants.

I will add this card to my list of Top 10 Best Business Card Offers.

(See Rates and Fees)

The American Express(R) Green Card is one of AmEx’s classic cards, and they have revamped the rewards structure and added new travel perks. There is also a welcome offer for new cardholders. Here the the highlights:

• Earn 40,000 Membership Rewards(R) Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership.
• Earn 3X Membership Rewards(R) points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
• Earn 3X Membership Rewards(R) Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
• Earn 3X Membership Rewards(R) points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• $189 CLEAR Plus Credit: Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express(R) Green Card.
• $100 LoungeBuddy Credit: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express(R) Green Card and receive up to $100 in statement credits annually.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees.
• $150 annual fee. (card_name)

Note the following language:

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

This card has not been heavily marketed in the past, so many people (including myself) are still eligible for the welcome offer. The application will tell you if they detect that you are not eligible for the bonus based on their records. Given that you can only get the welcome offer once time per lifetime, it is best to apply during a limited-time offer. (Update: I was approved for this card without issue.)

Membership Rewards points can be converted to the following airline and hotel programs (there are more, this is just a selection):

• Delta SkyMiles
• Hawaiian Airlines
• JetBlue
• ANA Mileage Club (partner of United Airlines)
• Air Canada (partner of United Airlines)
• British Airways (partner of American Airlines)
• FlyingBlue (Air France/KLM)
• Singapore Airlines
• Cathay Pacific
• Emirates
• Etihad Guest
• Qantas
• Virgin Atlantic
• Choice Privileges
• Hilton Honors
• Marriott Bonvoy

They also run limited-time 25% to 40% bonuses on points transfers. You can also transfer to gift cards many retailers at varying rates, but many available at the rate of 10,000 MR points = $100 gift card. My most recent redemption was a $100 Home Depot card for 10,000 points, sometimes less when they run special discount. However, don’t expect the cash-equivalent prepaid credit cards at that rate, it’s usually closer to a 0.6 cent/point ratio.

40,000 Membership Rewards points, worth an estimated $400. Some folks value these points much more highly, but I prefer to stick to a simple and conservative 1 cent per point.

CLEAR Plus membership gets you through airport security significantly faster at 50+ airports nationwide via designated lanes at TSA checkpoints. (CLEAR offers separate and short ID check lines, getting you to the x-ray machines faster. But you should also have TSA PreCheck for optimal speed.) If you value this service, then the recurring $189 value can offset the $150 annual fee at renewal time.

Compared with its siblings at American Express, this card has a tighter focus on frequent fliers (3X on travel, CLEAR Plus membership) and the lowest annual fee:

• The Platinum Card® from American Express
• American Express® Gold Card

Bottom line. The American Express(R) Green Card is a premium travel card with a welcome offer, revamped 3X rewards categories, and new travel perks. You’ll have to see if your travel habits match up to the perks that this card offers. (card_name)

Also see: Top 10 Best Credit Card Bonus Offers.

All information about the American Express® Green Card has been collected independently by MyMoneyBlog.com.

The Platinum Card® from American Express is the classic premium travel card, with an extended list of luxurious perks along with a hefty annual fee. It’s time for another look as they have improved their welcome offer, added many new perks, and increased their annual fee.

Here is the sign-up bonus and rewards structure:

• 80,000 Membership Rewards(R) Points after $8,000 in purchases within your first 6 months of Card Membership.
• 5X MR points on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year).
• 5X MR points on prepaid hotels booked with American Express Travel.
• 1X MR points on other purchases.

Here are the many statement credits included with the card:

• $200 airline fee credit. Up to $200 in statement credits each calendar year offsetting incidental fees charged directly through the airline. Details below.
• $200 hotel credit. Up to $200 back in statement credits each calendar year on hotel booking at prepaid Fine Hotels + Resorts(R) or The Hotel Collection through American Express Travel. The Hotel Collection requires a minimum two-night stay.
• $240 digital entertainment credit. Up to $20 back in statement credits each month on eligible purchases on the following: Disney+, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment is required.
• $155 Walmart+ credit. $12.95 back in statement credits each month towards a monthly Walmart+ membership (with auto-renewal).
• $200 Uber Cash. Up to $200 in Uber Cash, which can be used on Uber rides or Uber Eats orders. Details below.
• $100 Global Entry credit. Get a $100 statement credit every 4 years towards Global Entry. Global Entry includes TSA PreCheck.
• $189 CLEAR(R) Plus credit. Up to $189 back in statement credits per calendar year on your CLEAR Plus membership.
• $100 in Shop Saks with Platinum credits. Broken down into up to $50 in statement credits semi-annually. Enrollment is required. Valid for purchases in Saks Fifth Avenue stores or at saks.com.
• $300 Equinox credit annually. Up to $300 back in statement credits each calendar year towards an Equinox membership. Enrollment is required.
• $300 SoulCycle At-Home Bike credit. Up to $300 statement credit for the purchase of a SoulCycle at-home bike. Enrollment is required.
• Huge network of airport lounges. Details below.
• Terms Apply.
• $695 annual fee. (See Rates and Fees)

Note the following language:

Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

Not sure about your history? The application will tell you if they detect that you are not eligible for the bonus based on their records. Given that you can only get the welcome offer once time per lifetime, it is best to apply during a limited-time offer.

Membership Rewards points can be converted to the following airline and hotel programs (there are more, this is just a selection):

• Delta SkyMiles
• Hawaiian Airlines
• JetBlue
• ANA Mileage Club (partner of United Airlines)
• Air Canada (partner of United Airlines)
• British Airways (partner of American Airlines)
• FlyingBlue (Air France/KLM)
• Singapore Airlines
• Virgin Atlantic
• Choice Privileges
• Hilton Honors
• Marriott Rewards (Starwood)

They also run limited-time 25% to 40% bonuses on points transfers. You can also transfer to gift cards many retailers at varying rates, but many available at the rate of 10,000 MR points = $100 gift card. My most recent redemption was a $100 Home Depot card for 10,000 points, sometimes less when they run special discount. However, don’t expect the cash-equivalent prepaid credit cards at that rate, it’s usually closer to a 0.6 cent/point ratio.

80,000 Membership Rewards points are worth an estimated $800. Some folks value these points much more highly, but I prefer to stick to a simple and conservative 1 cent per point.

Uber and Uber Eats credits worth up to $200 annually. You get $15 in Uber Cash every month, which can be used for Uber rides or Uber Eats food orders. There is a $20 bonus in December, making it a total of $200 annually. You also get free Uber VIP status, which doesn’t save you any money but gets you higher-rated drivers and nicer vehicles at no extra charge.

Airline fee credit, worth up to $200 annually. You pick a single airline, and they will refund you up to $200 in incidential airline fees (baggage, in-flight food and entertainment, ticket fees, etc).

American Express Global Lounge Collection. Some other travel cards give you Priority Pass Select, which is nice but not as inclusive as the Platinum card’s list of 1,400+ airport lounges across 130 countries.

• The Centurion® Lounges
• Delta SkyClub®
• Priority Pass Select
• Lufthansa Lounge
• Plaza Premium Lounge

Other benefits:

• Automatic Starwood Preferred Guest (Marriott) Gold status.
• Automatic Hilton Honors Gold status.
• No Foreign Transaction Fees.

Adding in the $200 hotel credit, $240 digital entertainment credit, $300 Equinox fitness credit, $155 Walmart+ credit, $200 airline fee credit, $200 Uber Cash, and $189 CLEAR(R) Plus airport security membership credits, you can instantly see that the perks can easily add up to much more than the $695 annual fee. The question is whether you can take advantage of those perks and how much value you personally get out of them.

Bottom line. The Platinum Card® from American Express has added an impressively large list of new perks while also adding a generous welcome offer. You’ll have to see if your lifestyle matches up to the perks that this card offers.

I will be adding this improved offer on my list of Top 10 Best Credit Card Bonus Offers.

Rates and Fees for the Platinum Card® from American Express

Added details about new Equinox+ membership benefit. Disney streaming bundle credit worth $7 a month ($84 annually). Must enroll for both. See full details below.

The Blue Cash Preferred® Card from American Express has been in heavy rotation recently: 6% cash back at US stand-alone supermarkets on up to $6,000 per year in purchases. The welcome offer is also currently very generous. If you spend $100 a week at supermarkets, that alone will earn you over $300 a year in rewards. The highlights:

• $250 statement credit after $3,000 in purchases 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 a variable APR of 19.24% to 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
• 1% Cash Back on other purchases.
• Cash Back rewards can be redeemed as either a statement credit through the American Express website or at Amazon.com checkout.
• Disney Streaming Bundle benefit. The Disney Bundle can include Disney+, Hulu, and ESPN+. Get $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) on this card. You must enroll ahead of time.
• Equinox+ membership benefit. Up to $120 in statement credits annually ($10 per month) when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with this card. You must enroll ahead of time.
• $0 intro annual fee for the first year, then $95. (See Rates and Fees)
• Terms Apply.

Max out your benefit by buying gift cards at US supermarkets. I use this card to buy gift cards at a standalone US supermarket 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 Safeway, Whole Foods, Meijer, Vons, Winn-Dixie, Gristedes, Shoprite, Stop and Shop, and online supermarkets such as FreshDirect.

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
• Apple Music
• Audible
• CBS All Access
• Direct TV Now
• ESPN+
• Fubo TV
• HBO Now
• Hulu
• iHeartRadio
• Kindle Unlimited
• MLB.TV
• NBA League Pass
• Netflix
• NHL.TV
• Pandora
• Prime Video Unlimited
• Showtime
• Sling TV
• SiriusXM Streaming and Satellite
• Spotify
• YouTube Music Premium
• YouTube Premium
• YouTube TV

Disney Bundle credit details. Get a $7 monthly statement credit after using your enrolled Blue Cash Preferred Card to spend $9.99 or more each month on a subscription to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S. Subscription subject to auto-renewal.

If you already have this card, you activate this offer here.

Equinox+ credit details. Use your Blue Cash Preferred Card when you pay for an auto-renewing subscription to Equinox+ and receive $10 in monthly statement credits (up to $120 total per calendar year) . Enrollment required first. Importantly, you won’t get the statement credit if you pay for your membership through the Equinox+ app or another third party. You must pay through the EquinoxPlus.com website only. If you pay through the Equinox+ app currently, you must switch to an online account, details in the fine print below. Only applies to the stand-alone monthly membership.

Selected fine print:

To receive this benefit for an existing Equinox+ membership, Card Members (or their parent or legal guardian, as applicable) must enroll in this benefit in their American Express Card Account and pay their monthly membership fees with their eligible Blue Cash Preferred® Card online through www.equinoxplus.com. Card Members who currently pay their monthly membership fees through the Equinox+ app will not receive the benefit unless they change their Equinox+ membership to an online account, which can be done by contacting Equinox Member Experience at https://eqx.force.com/memberexperience/s/contactsupport.

To receive this benefit for a new Equinox+ membership, Card Members (or their parent or legal guardian, as applicable) must enroll in this benefit in their American Express Card Account and then access the Equinox+ website through the link provided in the benefits section of their American Express online account or mobile app, or at m.equinoxplus.com/e/amexjoin, to purchase an Equinox+ membership at www.equinoxplus.com with their eligible Blue Cash Preferred® Card and agree to the Equinox+ Terms and Conditions and Privacy Policy.

Annual fee. There is a $95 annual fee, so you’ll want to utilize that 6% cash back on groceries to maximize your value. If you spend the max cap of $500 a month at supermarkets, at 6% back that would net you $360 cash back in a year vs. $60 at 1% cash back. Note that simply spending $31 per week at supermarkets at 6% cash back will result in over $95 Reward Dollars per year to cover the annual fee.

If you spend the max cap of $500 a month at supermarkets, at 6% back that would net you $360 cash back in a year. Minus the $95 annual fee, and you’ll still earn $265 net cash back on $6,000 of spending, for an net overall cash back rate of 4.4%. That’s still a good year-round cash back rate for groceries, and I’m completely ignoring the US streaming subscriptions category.

Alternatively, the Blue Cash Everyday® Card from American Express offers 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and other perks but with no annual fee. See application for current welcome bonus. 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. I always just stick with statements credit to directly pay down my monthly bill.

Bottom line. The Blue Cash Preferred® Card from American Express 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 added a Disney streaming bundle credit worth up to $7/month ($84 annually), which I also utilize.

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

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

The relatively new United Quest^SM Card is a new premium travel card that offers a lot of added perks on United Airlines for a higher annual fee. Here are the highlights:

• 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
• First AND second checked bags are free for both you and a companion (a savings of up to $320 per roundtrip) when you use your Card to purchase your ticket. Terms apply.
• Priority boarding.. The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
• Up to a $125 United(R) purchase credit and up to 10,000 miles in award flight credits each year (terms apply).
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases).
• Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit.
• Expanded award availability and free upgrades. Having this card makes it easier to find that saver award economy ticket. No blackout dates for MileagePlus members booking award flights on United.
• $250 annual fee.

Here are the ongoing rewards on purchases:

• 3X miles on United(R) purchases
• 2X miles on all other travel.
• 2X miles on dining.
• 2X miles on select streaming services.
• 1X mile per dollar spent on all other purchases.
• No foreign transaction fees.
• 25% Back on United inflight purchases (Wi-Fi, Food and Drinks).

The United Quest card is considered a new product, which means you can get this new bonus even if you’ve had other United card flavors in the past 24 months:

This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.

This card is very focused on making it a better experience for regular United customers. You have the first and second checked bag for free on United flights, both for your and a companion traveling on the same reservation. The bag fees are $35 + $45 per person, each way, so that adds up to $320 each roundtrip.

After each card anniversary, you automatically get $125 back on United purchases charged to your card, which already covers half the $250 annual fee. You save another 5,000 points (up to twice a year) when you book an award ticket with miles. You also get Priority Boarding, and while onboard, you get 25% back on your inflight purchases of WiFi, food, and drinks.

If you are trying to make Premier status on United, this card offers the ability to earn up to 6,000 Premier qualifying points a year (25 PQP for every $500 you spend on purchases).

Expanded award seat availability. You earn United miles for all your purchases, but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. No blackout dates for MileagePlus members booking award flights on United. Expanded award seat availability is another of the top perks from this card, and I’ve found a very significant difference when searching. If you’re constantly trying to find economy tickets for the entire family like me, this is a big deal. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

If you are a Premier® status member and traveling on an award ticket, with this card you can take advantage of Premier Upgrades on United-operated flights.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On most other consumer cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Quest^SM Card offers a long list of special perks for folks that fly United on a regular basis. For the right person, the benefits can be worth much more than the annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

The United Explorer Card is a Chase-issued credit card that offers unique perks on United Airlines including free checked bags and expanded award seat availability for redeeming miles. Here are the highlights:

• Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
• Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip) when you use your Card to purchase your ticket. Terms Apply.
• Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
• Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
• Enjoy priority boarding privileges and visit the United Club(SM) with 2 one-time passes each year for your anniversary.
• 2X miles on dining, on hotel stays, and on United(R) purchases.
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
• No foreign transaction fees.
• Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
• Use your miles for any seat, any time, on any United flight.
• $0 introductory annual fee for the first year, then $95.

Keep in mind the following terms and conditions:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

This card is very focused on making it a better experience to fly on United. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The bag fee is usually $35 per person, each way, so that adds up to $140 each roundtrip. Before you board, you might use one of your free United Club lounge passes. You also get Priority Boarding, which helps you find space for your carry-on. While onboard, you get 25% back on your inflight purchases of WiFi, food, and drinks.

Expanded award seat availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and I’ve found a very significant difference when searching. If you’re constantly trying to find economy tickets for the entire family like me, this is a big deal. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On most other consumer cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Explorer Card offers great perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights.

Also see: Top 10 Best Credit Card Bonus Offers.

New limited-time 25k offer w/ no annual fee. The Citi Rewards+® Card has improved their sign-up bonus while keeping its 0% introductory APR for 15 months on purchases and balance transfers, round-ups rewards on small purchases, and no annual fee. Here are the highlights:

• Improved: 25,000 bonus points after $1,500 in purchases in the first 3 months. 25,000 ThankYou points = $250 in gift cards at ThankYou.com.
• For a limited time, earn 5 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) Portal through June 30, 2024.
• 2X ThankYou(R) Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou(R) Points on All Other Purchases.
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Minimum 10 points earned on every purchase. The card automatically rounds up to the nearest 10 points on every purchase, so for example a $1 parking charge or $2 cup of coffee can earn 10 points. This happens on every purchase with no cap.
• 10% of your points rebated back on the first 100,000 ThankYou® Points redeemed per year.
• No annual fee.

Note the following:

Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Rewards+® account in the past 48 months.

The lockout period is longer, but no longer lumps this card together with other Citi ThankYou cards like the Premier and Prestige.

25,000 ThankYou points = $250 in gift cards. You can view your redemption options at ThankYou.com. I took a quick look and it takes 10,000 ThankYou (TY) points to redeem for a $100 gift card to retailers like Target, Starbucks, TJ Maxx, Lowe’s, Home Depot, Gap, Banana Republic, Barnes & Noble, Bath and Body Works, Bed Bath & Beyond, Cabelas, Kohl’s, Land’s End, LL Bean, Sears, and Zappos. So with 25,000 TY points, you could get 10 x $25 gift cards) from different stores (handy for gifts), or all from the same store. You may also be able to find options to send a check towards your mortgage payment and/or student loan payment.

Personally, my default redemption is for Home Depot and/or Lowe’s. As an owner of an older house, there is always an appliance or home-improvement purchase around the corner. Target is another useful option.

0% introductory APR on purchases for 15 months. This is one of the longest 0% intro periods on purchases, which means that you can keep charging all your purchases on this card for 15 months and not have to pay any interest. Carrying a credit card balance is obviously not ideal, but in extreme times such an offer can help with short-term cashflow issues and defer your monthly expenses until later. You will still need to keep making the minimum payments each month to keep the 0% rate. There is also 0% intro APR for 15 months for balance transfers, but that comes with a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

Round up rewards, helpful on small purchases. The default rewards on this card is 1 point per $1 spent, which is rather common these days. They try to mix things up by making it round up to the nearest 10 points on every purchase. For example, a $1 purchase would earn 10 points, not 1 point. A $2 purchase would earn 10 points, not 2 points. A $11 purchase would earn 20 points, not 11 points. This makes the effective rewards percentage much higher on small purchases. If you make a lot of small purchases, this card is well-suited for you.

If you have a high monthly spend amount, I would recommend the Citi Double Cash card instead, as it earns 2% cash back on purchases.

10% Points Back for the first 100,000 ThankYou® Points you redeem per year. Let’s say you get that 15,000 points bonus and earn another 5,000 points from your purchases. When you redeem your 20,000 ThankYou points for a $200 gift card, you’ll also get 2,000 points rebated back to your account.

Thank You points in combination with other Citi cards. You may also combine and transfer your ThankYou points earned with this card to other Citi cards that earn ThankYou points:

• Citi Premier Card has a big upfront bonus and earns 3X ThankYou points on restaurants, supermarkets, gas stations, air travel and hotels. It also allows you to convert ThankYou points to participating airline mileage programs on a 1:1 basis including JetBlue TrueBlue, Virgin Atlantic, Singapore Airlines, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, and Thai Airways.
• Citi Custom Cash Card earns 5X ThankYou points on your top eligible spending category up to $500 spent each monthly billing cycle./li>
• Citi Double Cash earns 2X ThankYou points on ALL purchases.

Bottom line. The Citi Rewards+® Card offers a long 15-month 0% introductory APR period on purchases on top of a 25,000 point sign-up bonus worth $250 in gift cards at ThankYou.com. You may also be able to transfer your ThankYou points to hotel and airlines if you also hold other eligible Citi credit cards. There is also a unique rewards structure for those that make a lot of small purchases. No annual fee.