Top 10 Best Small Business Credit Card Bonus Offers – February 2024

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated February 2024. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, 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 Marriott 5FreeNights, United 100k, Venture X 300k, Hyatt 75k, Alaska 75k, Ink Preferred $1,250, Spark Cash Select $750, Hilton 130k, .
  • Removed AA 75k, Ink Cash 90k No AF, JetBlue 75k, AmEx Gold 70k, AA 70k, Southwest Premier 120k

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.

Capital One Venture X Business Card

  • Up to 300,000 miles (worth $3,000 towards travel, or transferrable to miles). 150,000 miles after spending $20,000 in first 3 months, and an additional 150,000 miles after $100,000 in purchases in the first 6 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Capital One Lounges, Priority Pass(TM) and Plaza Premium Group lounges access.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

United(SM) Business Card

  • 100,000 bonus United miles after $5,000 in purchases in the first 3 months. Limited-time offer. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip).
  • 5,000-mile “better together” bonus each anniversary when you have both the United(SM) Business Card and personal Chase United credit card.
  • Primary rental car coverage when renting for business purposes.
  • $99 annual fee.
  • Subject to 5/24 rule.*

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,000 straight cash back or $1,250 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.*

Marriott Bonvoy Business® American Express® Card

  • 5 Free Night Awards (Worth Up To 250K Total Marriott Bonvoy Points) after $8,000 in eligible purchases within first 6 months. Each Free Night Award is worth up to 50,000 Marriott Bonvoy(R) points redemption level. See link for details.
  • 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.
  • 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.
  • Annual fee is $125.

Chase Ink Business Unlimited Card

  • $750 bonus cash back (75,000 Ultimate Rewards points) after $6,000 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.*

Capital One Spark Cash Select Business Card

  • $750 bonus after $6,000 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.

Chase Ink Business Cash Card

  • $750 bonus cash back (75,000 Ultimate Rewards points) after $6,000 in purchases in the first 3 months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.*

World of Hyatt Business Card

  • Up to 75,000 Hyatt points. 60,000 points after $5,000 in purchases first 3 months. Additional 15,000 points after $12,000 in purchases in first 6 months. See link for details.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

Business Platinum® Card from American Express

  • 120,000 Membership Rewards points after $15,000 on eligible purchases in the first 3 months.
  • HUGE list of additional perks including $400 Dell, $360 Indeed, $150 Adobe, $120 wireless phone annual credits, $200 annual airline fee credit, $189 CLEAR credit, $100 TSA/Global Entry credit, Centurion airport lounge access, and more. See link for details.
  • $695 annual fee.

American Express® Business Gold Card

  • 70,000 Membership Rewards points after $10,000 in eligible purchases in the first 3 months. See link for details.
  • $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.
  • $155 Annual Walmart+ Credit. 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.
  • $375 annual fee.

Hawaiian Airlines Business MasterCard

  • 70,000 Hawaiian miles. 60,000 miles after $2,000 in purchases in first 90 days. 10,000 miles after a qualifying purchase is made on an employee card. 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.

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 ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Bank of America Business Advantage Cash Rewards Card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 3% cash back on your choice of six categories. 2% cash back on dining and unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter.
  • 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 4 months. 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.

The Hilton Honors American Express Business Card

  • 130,000 Hilton Honors points after $3,000 in purchases in the first 3 months. See link for details.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • $95 annual fee.

JetBlue Business Card

  • 60,000 TrueBlue points 50,000 points after $4,000 in purchases in first 90 days. Plus, earn 10,000 bonus points when a purchase is made on an employee card in the first 90 days. 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)

  • 75,000 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 $60 roundtrip per person).
  • $70 annual fee for company, plus $25 per card.

* 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.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Marriott Bonvoy Business® American Express® Card Review: 5 Free Night Awards Offer (Worth Up To 250K Total Points)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated with limited-time offer. The Marriott Bonvoy Business® American Express® Card 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 (especially during a limited-time offer). Here are the highlights:

  • Limited-time offer: Earn Five (5) Free Night Awards after $8,000 in eligible purchases within the first 6 months. Each Free Night Award is worth up to 50,000 Marriott Bonvoy(R) points redemption level at hotels participating in Marriott Bonvoy(R). That’s a total potential value of 250,000 Bonvoy points. Certain hotels have resort fees. Offer Ends 3/20/24.
  • 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 Marriott Bonvoy 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 Marriott Bonvoy(R) 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)
  • Terms Apply.

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.

50k Free Night Award (Welcome Offer). 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 Marriott Bonvoy Business® American Express® Card 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)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


IHG One Rewards Premier Card Review: 165,000 Bonus Points Limited-Time Offer

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

New limited-time offer. The IHG One Rewards Premier Credit Card is the IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card, Elite status, and every 4th award night free. Here are the highlights:

  • 165,000 Bonus IHG Points after spending $3,000 on purchases in the first 3 months from account opening.
  • Free Award Night after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption cap of 40,000 points. NEW: You can now also pay the difference over 40,000 points to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
  • 4th Award Night Free. Enjoy a free reward night when you redeem points for a consecutive four-night IHG(R) hotel stay. That means if you use points to pay for 3 nights in a row, the 4th night is free. You can even book 8 award nights total and get two of them free, and so on. Works on any award level.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
  • Automatic Platinum Elite status included as a Premier card member. IHG points also don’t expire when you are an Elite member.
  • Global Entry or TSA PreCheck® fee credit up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • No foreign transaction fees.
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.
  • $99 annual fee.

Please note the following:

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.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, but overall a conservation valuation is 0.50 cents of value per point, which would make 140,000 IHG points worth an estimated $700 value. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

(IHG points are worth less than other points like Hyatt or Chase Ultimate Rewards points, but you get a lot more of them with this bonus!)

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

  • Intercontinental Hotels & Resorts
  • Crowne Plaza
  • Kimpton
  • Holiday Inn, Holiday Inn Express
  • Staybridge Suites
  • Candlewood Suites
  • Hotel Indigo
  • EVEN Hotels

Fourth Reward Night Free

The 4th Reward night free perk can be very valuable and nice to see on a card with no annual fee. You get the fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay (only pay for 3 nights with points). It showed up automatically for me when booking with points online.

For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually.

IHG points expire after 24 months of inactivity, so if you keep up your activity then you can save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

Total of 26X points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 10X points from IHG® for being an IHG One Rewards Member + 10X points with this card + 6X points from IHG® with Platinum Elite Status with Platinum Elite Status (a benefit of this card) = total of 26X points total at 5,400+ IHG® hotels & resorts.

The rewards on other purchases has improved to the following:

  • 5X IHG points per $1 spent at gas stations, dining, and travel (including hotels).
  • 3X IHG point per $1 spent on all other card purchases

I would keep this card if you can use the anniversary night certificate with the 40,000 point maximum value. You should be able to get $99 value out of it as long as you need a hotel night. Stay must be completed within 12 months from date of issue.

Don’t want a card with an annual fee? The no-annual fee Traveler version has a very competitive bonus right now.

Bottom line. The IHG One Rewards Premier Credit Card includes special IHG perks like a free night award every year you keep the card, Elite status, and every 4th award night free. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


IHG One Rewards Traveler Card Review: 100,000 Bonus Points Offer, No Annual Fee

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

New limited-time offer. The IHG One Rewards Traveler Card is the IHG hotel card that includes special IHG perks but with no annual fee. Here are the highlights:

  • 100,000 bonus IHG points after spending $2,000 on purchases within the first 3 months of account opening.
  • Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.
  • No foreign transaction fees.
  • Fourth Reward Night Free when you redeem points for any 4+ night stay. That means if you use points to pay for 3 nights in a row, the 4th night is free.
  • IHG Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental(R), Crowne Plaza(R), Kimpton(R), EVEN(R) Hotels, Indigo(R) Hotels & Holiday Inn(R).
  • No annual fee.

Note the following:

This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new
Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, I would use a conservative estimate of 0.50 cents of value per point, which would make 80,000 IHG points worth an estimated $400 value. Not bad for a no annual fee card. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

  • Intercontinental Hotels & Resorts
  • Crowne Plaza
  • Kimpton
  • Holiday Inn, Holiday Inn Express
  • Staybridge Suites
  • Candlewood Suites
  • Hotel Indigo
  • EVEN Hotels

IHG points expire after 24 months of inactivity, which is relatively long so with occasional activity you can easily save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

The 4th Reward night free perk can be very valuable and nice to see on a card with no annual fee. You get the fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay (only pay for 3 nights with points).

Total of 17x points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 5X points per $1 spent as an IHG® Rewards Club Traveler credit cardmember + 10X points per $1 spent from IHG® for being an IHG® Rewards Club Member, 5X points with this card, plus 2X points from IHG® with Silver Elite Status (a benefit of this card) for a total of 17X points total at any of their 5,400+ IHG® hotels & resorts.

Given my 0.5 cent per IHG point valuation, I would book my IHG nights on this card, but not my everyday purchases on an ongoing basis. I would just put a little spending on there to keep my IHG points from expiring.

  • 3 IHG points per $1 spent at gas stations, dining, utilities, internet, cable, and phone services
    and select streaming services.
  • 2 IHG point per $1 spent on all other card purchases

Upgrade to Premier? Downgrade to Traveler? If you can reliably use a anniversary night certificate (40,000 point value) and get $99 value out of it, you should consider going with the IHG Rewards Premier credit card mentioned on the same application page. The Premier card also adds some other small perks like Platinum Elite status and a TSA Precheck fee credit.

If you already have the Premier card and don’t want to pay for those added perks, you may consider asking if you can downgrade to this Traveler now without any annual fee.

Bottom line. The IHG One Rewards Traveler Credit Card now comes with no annual fee and a sign-up bonus. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Southwest Airlines Credit Cards: Limited-Time Offer for Companion Pass Thru 2/28/25 + 30,000 Points

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated with new limited-time offers that include a special Companion Pass good through 2/28/25. Southwest Airlines Rapid points are very flexible, as they let you use points to book basically any available seat that could be bought with cash. A conservative approximation from my experience is 1.3 cents in Wanna Get Away airfare in per point. That works out to roughly $650+ in Wanna Get Away airfare for every 50,000 Southwest points. Plus, they still offer two free checked bags on all flights.

In addition, their Companion Pass lets you pick one person to fly with free when you book both paid AND award flights (including to Hawaii!) on Southwest. Once you qualify by earning 135,000 points in a calendar year, you earn the Companion Pass for both the rest of the year in which you earn it AND all of the next year (ex. rest of 2024 + all of 2025). Importantly, all points earned from credit cards count toward the requirement, and each card also offers a 10,000 point boost toward the Companion Pass requirement. Oftentimes if you get both a new personal and a new business card in the same year, you can meet this requirement with the new cardmember bonuses alone.

Right now, Southwest has new limited-time offers that include a special Companion Pass good through 2/28/2025. This can be a great way to try out the Companion Pass without having to accumulate a huge amount of points via flying or credit card purchases.

Southwest Rapid Rewards® Plus credit card

  • Limited-time offer: Earn Companion Pass(R) good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Receive 3,000 anniversary points each year.
  • 10,000 Companion Pass® qualifying points boost each year.
  • 2X points on Southwest(R) purchases.
  • 2X points on local transit and commuting, including rideshare.
  • 2X points on internet, cable, and phone services, and select streaming.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In(R) each year
  • 25% back on inflight purchases
  • All points earned count towards Companion Pass(R).
  • $69 annual fee.

Southwest Rapid Rewards® Premier card

  • Limited-time offer: Earn Companion Pass(R) good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Receive 6,000 anniversary points each year.
  • 10,000 Companion Pass® qualifying points boost each year.
  • 3X points on Southwest(R) purchases.
  • 2X points on local transit and commuting, including rideshare.
  • 2X points on internet, cable, phone services, and select streaming.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In(R) each year
  • 25% back on inflight purchases
  • All points earned count towards Companion Pass(R).
  • $99 annual fee.

Southwest Rapid Rewards® Priority card

  • Limited-time offer: Earn Companion Pass(R) good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Receive 7,500 anniversary points and a $75 Southwest® travel credit each year.
  • 10,000 Companion Pass® qualifying points boost each year.
  • 3X points on Southwest purchases.
  • 2X points on local transit and commuting, including rideshare.
  • 2X points on internet, cable, and phone services, and select streaming.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In(R) each year
  • 25% back on inflight purchases
  • 1,500 Tier Qualifying Points towards A-List Status for every $10,000 in spend
  • 4 Upgraded Boardings per year when available.
  • $149 annual fee.

The following are business credit cards:

Southwest Rapid Rewards Performance Business card

  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 9,000 bonus points after each Cardmember anniversary.
  • NEW: 4X points on Southwest(R) purchases.
  • 3X points on Rapid Rewards® hotel and car rental partners.
  • NEW: 2X points on rideshare.
  • 2X points on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Inflight WiFi Credits (up to 365 x $8 credits per year).
  • Global Entry or TSA PreCheck® Fee Credit in the form of a statement credit of up to $100 every four years.
  • $199 annual fee.

Southwest Rapid Rewards Premier Business card

  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after each Cardmember anniversary.
  • 3X points on Southwest(R) purchases.
  • 2X points and Rapid Rewards® hotel and car rental partners.
  • 2X points on local transit and commuting, including rideshare.
  • 1 point per $1 spent on all other purchases.
  • 2 EarlyBird Check-In(R) each year
  • $99 annual fee.

Value of Rapid Rewards points. Redeeming Southwest points for flights varies in a narrow range, but a very reasonable approximation from my experience is 1.3 cents in Wanna Get Away airfare in per point. That works out to $650+ in Wanna Get Away airfare for every 50,000 points or $1,300+ in Wanna Get Away airfare from 100,000 points (you are still liable for taxes and fees from $5.60 one-way). Importantly, Southwest does NOT have blackout dates or seat restrictions when you redeem with points. This means that Southwest points are much easier to use than a “saver award” on traditional airlines.

Now, if you manage to qualify for the the Companion Pass on every trip that you book with those points, that doubles the potential value of each award redemption. In other words, 125,000 Rapid Rewards, would usually get you $1,850 in Wanna Get Away airfare, but with the Companion Pass you’d get an extra companion ticket for every flight booked.

There may be other options like gift cards, but the redemption value is less than half the value you could get from redeeming for flights.

Southwest points expiration policy, per Southwest.com:

Do the points I earn expire?

No, your Rapid Rewards points do not expire. However, if you choose to close your account, the points in your account will be terminated.

Southwest still includes two free checked bags per person. The fees on the other airlines have crept up to $30 per bag, each-way. That adds up.

Our family policy is to not try out a new credit card unless it offers us $500 in total value. Just the free award flights from the points are enough to satisfy that rule, and then you can add on the potential value of the companion tickets.

Card restrictions. All of these Southwest credit cards are subject to “5/24” restrictions, which means that your application will be automatically denied if you have opened 5 or more credit cards in the last 24 months (check your credit reports). Our household strategy is to have one person only apply for Chase 5/24 cards, and the other person applies for everything else. There is also this language on the consumer card:

The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products.

Basically, you can get one sign-up bonus from a Southwest consumer card once every 24 months. You can also get one sign-up bonus from a Southwest business card once every 24 months.

Stack your Companion Pass with Chase Ultimate Rewards points. If you have the Chase Sapphire Preferred or Chase Sapphire Reserve, you can transfer Ultimate Rewards points to Southwest points on a 1:1 basis. If you book an award flight with those Southwest points while you have the Companion Pass, you can double the value of your Ultimate Rewards points as well.

Bottom line. Southwest credit cards offer new cardholders the opportunity to earn hundreds of dollars worth of Wanna Get Away airfare, but if you time things right and maybe combine a personal and business card, you can also grab the Southwest Companion pass, which provides a free companion ticket on every flight bought with cash OR points booked both during the rest of the year in which you earned it, AND the full next calendar year. Finally, Southwest still includes two free checked bags per person on every flight. Right now, Southwest has new limited-time offers that include a special Companion Pass good through 2/28/2025.

Also see: Top 10 Best Credit Card Bonus Offers and the Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Top 10 Best Credit Card Bonus Offers – February 2024 (Updated)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated and checked February 2024. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (over $5,000 in 2023). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added IHG 165k, Southwest CP, Delta 70k+$200 credit, JetBlue 70k, AA 60k noAF, Alaska 75k, Hawaiian 65k
  • Removed Aeroplan 100k, Southwest 75k, Wyndham 75k

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Delta SkyMiles® Gold American Express Card

  • 70,000 Delta Skymiles after $3,000 in purchases within the first 6 months. See link for details.
  • 70,000 Skymiles are worth at least $700 in Delta airfare with “Pay with Miles” option.
  • $200 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $150.
  • There is also a 90k bonus miles offer on the Platinum version.

The Platinum Card from American Express

  • 80,000 Membership Rewards(R) points after $8,000 in purchases in the first 6 months.
  • $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Plus credit, $300 Equinox credit, $155 Walmart+ credit and more annually!
  • $100 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 towards travel or transferrable to miles/points) after $4,000 in purchases within the first 3 months. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 3x on dining and 2x on all other travel purchases.
  • $95 annual fee.
  • Subject to 5/24 rule.*
  • Upgrade pick: Chase Sapphire Reserve Card. Higher travel perks including airport lounge access, higher annual fee.

Chase Aeroplan Credit Card

  • 60,000 points – 60,000 points after $3,000 on purchases in the first 3 months. Redeemable towards any travel purchase with Pay Yourself Back. See link for details.
  • 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.
  • Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year.
  • $100 Global Entry or TSA PreCheck credit.
  • $95 annual fee.
  • Subject to 5/24 rule.

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 towards travel, or transferrable to airline miles) after $4,000 in purchases within the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Priority Pass + Capital One airport lounge access. Additional cardholders are free, and also get their own Priority Pass!
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

American Express® Gold Card

  • 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • $120 in annual dining credit at Grubhub, Seamless, and more.
  • 4X points at restaurants.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

IHG One Rewards Premier Credit Card

  • 165,000 IHG Points after $3,000 in purchases within first 3 months. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $99 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version also has a competitive offer with no annual fee.

British Airways Visa Signature Card

  • 75,000 Avios after $5,000 in purchases within first 3 months. See link for details and redemption tips.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Free Travel Together companion ticket when you spend $30,000 in calendar year.
  • $95 annual fee.

Chase United Explorer Card

  • 60,000 miles after $3,000 in purchases within 3 months. See link for details.
  • 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 United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

Capital One Venture Rewards Card

  • 75,000 miles (worth $750 towards travel, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
  • 2 Miles per dollar on all purchases.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 60,000 points (worth $600) after $4,000 in purchases within the first 90 days. See link for details.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases. Eligible for 25%-75% boost with Preferred Rewards status.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Hawaiian Airlines MasterCard

  • 65,000 Hawaiian miles after any purchase (of any amount) within the first 90 days. Any 6-digit code will work, like “000000”. See link for details.
  • Free first checked bag for primary cardmember.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Alaska Airlines Visa Card (Bank of America)

  • 75,000 bonus miles + Companion Fare voucher after $3,000 in purchases within first 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one from $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 $60 roundtrip per person).
  • $95 annual fee.

Citi Premier Card

  • 60,000 points (worth $600 in gift cards, or transferrable to miles/points) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.
  • Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
  • $95 annual fee.

U.S. Bank Altitude Connect Visa Signature Card

  • 50,000 bonus points (worth $500 in statement credits) after $2,000 in purchases within 120 days. See link for details.
  • 4X points on travel and gas stations, 2X points on dining and grocery stores.
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • $30 annual streaming bonus.
  • $0 annual fee the first year, $95/year thereafter.

Barclays AAdvantage Aviator Red Mastercard

  • 60,000 American Airlines miles after any purchase and paying the annual fee in full, both within the first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 intro annual fee for the first year, then $99.

JetBlue Plus Card

  • 70,000 bonus TrueBlue points – 70,000 bonus points after $1,000 on purchases and paying the $99 annual fee in full, both within the first 90 days. Any 5-digit code should work, like “00000”. 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.

Southwest Rapid Rewards Plus Card

  • Companion Pass(R) good through 2/28/25 plus 30,000 points after $4,000 on purchases in the first 3 months. See link for details.
  • Southwest still gives everyone two free checked bags.
  • Timing for Companion Pass. If you can sign up for this one and perhaps also the small business version, and time the points to post in early 2024, you can qualify for a Companion Pass for 2024/2025.
  • $69 annual fee.
  • Subject to 5/24 rule.*

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on family trips – domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

* 5/24 Rule? 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 from any issuer on your credit report within the past 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Alaska Airlines Visa Credit Card: 75,000 Miles + $122 Companion Fare ($95 Annual Fee)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

75k offers are back (5k more than before). The Alaska Airlines Visa credit card is issued by Bank of America and offers several unique cardholder perks, and currently has an increased limited-time offer. The business card version currently also has a limited-time offer.

Alaska Airlines Visa Signature Card

  • 75,000 Alaska mile + Companion Fare from $122 after $3,000 or more in purchases within the first 90 days after account opening. Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
  • Free checked bag + Priority boarding. Any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation, may check their first bag free. This is worth $60 roundtrip per person.
  • 3X miles for every $1 spent on eligible Alaska Airlines purchases. 2X miles for every $1 spent on eligible gas, cable, streaming services and local transit including ride share purchases. 1X mile per $1 spent on all other purchases.
  • 10% rewards bonus w/ BofA on all miles earned from card purchases if you have an eligible Bank of America® account.
  • Ability to earn another Alaska’s Famous Companion Fare ($6k spend requirement). Get another Companion Fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
  • No foreign transaction fees.
  • $95 annual fee.

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

Alaska Airlines Visa Business Card

  • 75,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
  • Free checked bag + Priority boarding. Any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation, may check their first bag free. This is worth $60 roundtrip per person.
  • Ability to earn another Alaska’s Famous Companion Fare ($6k spend requirement). Get another Companion Fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
  • 10% rewards bonus w/ BofA on all miles earned from card purchases if you have an eligible Bank of America® small business account.
  • $70 annual fee for company, plus $25 per card.

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

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Barclays AAdvantage Aviator Red Mastercard Review: 60,000 AA Miles (Single Purchase, No Annual Fee First Year)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Offer now has no annual fee for the first year. The Barclays AAdvantage Aviator Red Mastercard is a co-branded American Airlines credit card from Barclays. This offer is notable because the bonus can be triggered by a single purchase of any amount (no spending hurdle) and waives the annual fee for the first year. Various perks for AA fliers are also included. Here are the card highlights:

  • 60,000 bonus AA miles
  • First checked bag free on domestic American Airlines itineraries for the primary cardmember and up to 4 companions traveling with you on the same reservation.
  • Preferred boarding (Group 5) for the primary cardmember and up to 4 companions on the same reservation for all American Airlines operated flights. “Eligible cardmembers will board after priority boarding is complete, but before the rest of economy boarding.”
  • Up to $25 back in inflight Wi-Fi statement credits every anniversary year on American Airlines operated flights.2
  • Anniversary Companion Certificate each anniversary year; earn a Companion Certificate good for 1 guest at $99 (plus taxes and fees) if you spend $20,000 on purchases and your account remains open for 45 days after your anniversary date.
  • 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
  • 1X AAdvantage® miles for every $1 spent on all other purchases.
  • No Foreign Transaction Fees
  • $0 intro annual fee for the first year, then $99.

Anniversary Companion Certificate details. From the fine print:

At each card anniversary, you will be eligible to earn 1 domestic economy fare companion certificate redeemable for 1 companion ticket at $99 (plus taxes and fees) if you spend $20,000 or more on eligible Net Purchases with your Card Account that have a transaction date within your cardmembership year (each 12-month period through and including your Card Account anniversary month) and your Card Account remains open for at least 45 days after your anniversary date. After the companion certificate is earned, please allow 1-2 weeks for it to be deposited to the primary cardmember’s AAdvantage® account.

When the companion certificate is used according to its terms, you will pay a $99 companion ticket fee plus government taxes and fees, the amount of which will depend on the itinerary (as of the date of these Card Account Reward Rules government taxes and fees range between $21.60 and $43.20), for a round-trip qualifying domestic economy fare ticket for a companion when an individual round-trip qualifying domestic economy fare ticket is purchased and redeemed through American Airlines Meeting Services. Companion certificate eligible travel must be booked and purchased from select economy inventory. The Companion certificate will be valid one year from the issue date. Companion certificate eligible travel is defined as travel on flights within the 48 contiguous United States, on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airline Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines, PSA Airlines, Inc., or Piedmont Airlines, Inc. This is not available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For residents of Alaska and Hawaii, companion certificate eligible travel is defined as round-trip travel originating in either of those two states and continuing to the 48 contiguous United States. For residents of Puerto Rico only, valid for round trip travel originating in Puerto Rico and continuing to the 48 contiguous United States. For residents of the U.S. Virgin Islands only, valid for round trip travel originating in the U.S. Virgin Islands and continuing to the 48 contiguous United States. Applicable terms and conditions are subject to change without notice. Details, terms and conditions, certain restrictions, and restricted dates apply and will be disclosed on the companion certificate.

Additional bonus details. Note the following language if you have had this card previously. However, I have been able to get a new Barclays card in the past, as long as my old account was closed for at least roughly a year.

From time to time, we may offer bonuses of AAdvantage® miles or other incentives to new American Airlines AAdvantage® Aviator® Red Mastercard cardmembers in connection with an application for a new card account. These bonuses and/or incentives are intended for applicants who are not and have not previously been American Airlines AAdvantage® Aviator® Red Mastercard cardmembers. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new American Airlines AAdvantage® Aviator® Red Mastercard account after this Card Account is opened. If you receive a bonus or incentive for which you are not eligible due to your status as a current or former American Airlines AAdvantage® Aviator® Red Mastercard cardmember, we may revoke the bonus or incentive, or reduce your AAdvantage® miles by the amount of the bonus or incentive, or charge your Card Account for the fair value of the bonus or incentive, in our sole discretion.

Bottom line. The Barclays AAdvantage Aviator Red Mastercard is a co-branded American Airlines credit card that offers a relatively simple and straightforward sign-up bonus and free checked bags on domestic AA flights for you and up to 4 travel companions. The $99 companion certificate also has potential value, but you’ll have to spend $20,000 on the card within a year (and then wait for your next card anniversary and thus pay the $99 annual fee) to get it.

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

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


JetBlue Plus Card Review: 60,000 Bonus Points ($99 Annual Fee)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Offer bumped up to 60k from 50k. The JetBlue Plus Mastercard is a rewards credit card that earns TrueBlue points for purchases and includes special perks for JetBlue customers. Here are the highlights:

  • 60,000 bonus points after spending $1,000 on purchases and paying the $99 annual fee in full, both within the first 90 days.
  • First checked bag is free for the primary cardmember and up to 3 companions when you use your JetBlue Plus Card on JetBlue-operated flights.
  • 6X points on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Annual $100 statement credit after you purchase a JetBlue Vacations package of $100 or more.
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases including cocktails, food and movies.
  • Points Payback option allows you to redeem points for a statement credit – up to $1,000 per year.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • 5,000 TrueBlue bonus points annually after your account anniversary.
  • $99 annual fee.

First checked bags on JetBlue usually cost $35 each-way, per person. The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember’s TrueBlue member number must be entered at the time of booking. That works out great for a family traveling together. If you buy higher fare classes, a certain number of complimentary bags may already be included.

How does redeeming TrueBlue points work? TrueBlue works on a revenue-based system, where the points required depends on the current cash cost of the flight (with no blackout dates). If they sell it for cash, you can book it with points. This is different than traditional chart-based systems that charge a fixed point balance but imposes blackout dates and limited seat availability.

TrueBlue points are best redeemed for JetBlue flights. There are some other options like newspaper or magazine subscriptions, but I won’t cover them here.

TrueBlue points can be estimated at 1 points = 1.3 cents. Ex. 30,000 points would cover roughly $390 in JetBlue airfare. The exact value may vary, but 1.3 cents is a conservative average of what I found across Blue, Blue Plus, and Blue Flex fares. You can test it out yourself by pricing out the same flight on JetBlue.com using points or cash (you don’t need to sign-in or have an account). Here is an example of a randomly-chosen Blue flight from New York City (JFK) to Orlando (MCO). The roundtrip flight costs $250.20 cash total:

Or the exact same roundtrip flight costs 15,800 TrueBlue points + $11.20 in taxes/fees:

That means the 15,800 points offset $239 in cash, or a value of 1.51 cents per TrueBlue point. But again, 1.3 is a conservative average estimate.

This means 2X points back on restaurants and groceries can be estimated as 2.6% back in the form of TrueBlue airfare. The 3X points back on Jetlue-operated flights can be 3.9% back in the form of TrueBlue airfare. The 6X points back with the Plus card on JetBlue-operated flights can be 7.8% back in the form of TrueBlue airfare.

Upon the renewal of your $99 annual fee, you get another 5,000 TrueBlue points ($65 of airfare value at 1.3 cents/point). If you can take advantage of the free checked bag perk, there is definitely ongoing value for regular JetBlue fliers. I haven’t investigated the $100 off a JetBlue Vacations package, but it could be worth a look.

As a minimum baseline value, you can redeem up to 100,000 TrueBlue points per year at 1 cent a point for a flat statement credit. So 30,000 points = $300, and so on. You always get more value redeeming for a JetBlue flight, but I know some people may just want to cash out.

Bottom line. The JetBlue Plus card from Barclaycard offers several perks for regular JetBlue customers such as a free first checked bag for you and up to 3 companions. Right now, there is also a new cardholder offer of up to 75,000 TrueBlue points when you satisfy the spending requirements and pay the $99 annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

There is also a JetBlue Business card that currently offers up to 60,000 bonus points. Also see: Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Delta SkyMiles® American Express Cards – Up to 110,000 Bonus Miles

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated with limited-time offers and more changes. Delta has revamped these cards again with updates that include increased welcome offers, additional perks and credits, new Delta SkyClub access rules, and an increased annual fee.

Delta Airlines American Express cards offer various special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. As you can only get the welcome offers once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit. Here are the current offers:

Delta SkyMiles® Gold American Express Card

  • 70,000 Bonus Delta Skymiles (increased) after $3,000 in purchases within the first 6 months.
  • $200 Delta flight credit (increased). Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
  • $100 Delta Stays Credit (new). Get up to $100 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • First checked bag free on Delta flights. This perk is worth up to $240 per round trip for a family of four ($30 each way, per person).
  • 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
  • Main Cabin 1 Priority Boarding.
  • 2X miles at Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1 miles per dollar spent on all other eligible purchases.
  • Simplified Pay with Miles option. Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • 20% back on eligible Delta in-flight purchases with this card in the form of a statement credit .
  • No Foreign Transaction Fees.
  • $0 introductory Annual Fee for the first year, then $150 (increased). (See Rates and Fees)
  • Terms Apply.

70,000 Skymiles is worth at least $700 in Delta airfare. Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 50,000 Skymiles can reduce the price of your Delta ticket by $500 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

Delta SkyMiles® Platinum American Express Card

  • 90,000 Bonus Delta Skymiles (increased) after $4,000 in purchases within the first 6 months.
  • $2,500 Medallion(R) Qualification Dollars (new) each Medallion Qualification Year. Also earn $1 Medallion(R) Qualification Dollar for each $20 of purchases in a calendar year.
  • $150 Delta Stays Credit (new). Get up to $150 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • $120 Resy Credit (new). Up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit (new). Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
  • 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
  • $100 Global Entry Fee Credit. Global Entry membership includes TSA PreCheck.
  • Main Cabin Roundtrip Companion Certificate (enhanced) on US domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. You still have to pay the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).
  • First checked bag free on Delta flights. This perk is worth up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 3X Miles on Delta purchases and purchases made directly with hotels.
  • 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $350 annual fee (increased). (See Rates and Fees)
  • Terms Apply.

The Platinum version can be a worthy upgrade from the Gold version if you can take advantage of the annual Companion Certificate (i.e. book two tickets together on Delta at least once a year). I’ve used it several times in the past and it is easy to use while booking tickets online at Delta.com. My savings from using the companion certificate has ranged from $200 to $500.

Delta SkyMiles® Reserve American Express Card

  • 100,000 Bonus Delta Skymiles (increased) after $6,000 in purchases within the first 6 months.
  • $2,500 Medallion(R) Qualification Dollars (new) each Medallion Qualification Year. Also earn $1 Medallion(R) Qualification Dollar for each $10 of purchases in a calendar year.
  • Delta Sky Club access (changed). Get four (4) Delta Sky Club One-Time Guest Passes each year, valid when traveling on a same-day Delta-marketed or Delta-operated flight. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Centurion Lounge access. Enjoy complimentary access to The Centurion(R) Lounge when you book a Delta flight with your Reserve Card.
  • $200 Delta Stays Credit (new). Get up to $200 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • $240 Resy Credit (new). Up to $20 per month in statement credits on eligible Resy dining purchases using your enrolled Card.
  • $120 Rideshare Credit (new). Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
  • 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
  • $100 Global Entry Fee Credit. Global Entry membership includes TSA PreCheck.
  • First Class Main Cabin domestic round-trip companion certificate. Companion Certificate on First Class, Delta Comfort+(R), or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. You must still pay for government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).
  • First checked bag free on Delta flights. This perk is worth up to $240 per round trip for a family of four ($30 each way, per person).
  • 3X Miles on Delta purchases.
  • 1X Miles on all other eligible purchases.
  • $650 annual fee (increased). (See Rates and Fees)
  • Terms Apply.

The Reserve version can be a worthy upgrade for frequent Delta fliers. Enjoy Delta Sky Club and/or Centurion Lounge access on your Delta flights, that First Class companion certificate can be worth thousands, earn additional MQMs on your purchases, etc.

BUSINESS Card Versions

Delta SkyMiles® Gold Business American Express Card

  • Limited Time Offer: Earn 80,000 Delta SkyMiles after $6,000 in purchases within your first 6 months of Card Membership. Offer Ends 3/27/24.
  • $200 Delta flight credit (increased). Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
  • $150 Delta Stays Credit (new). Get up to $150 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
  • First checked bag free on Delta flights. This perk is worth up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. 2X Miles on eligible purchases made directly with Delta and 2x Miles on every eligible dollar spent at restaurants. 1X Miles on all other eligible purchases.
  • $0 annual fee for the first year, then $150 (increased). (See Rates and Fees)
  • Terms Apply.

Delta SkyMiles® Platinum Business American Express Card

  • Limited Time Offer: Earn 100,000 Delta SkyMiles (increased) after $8,000 in purchases within your first 6 months of Card Membership. Offer Ends 3/27/24.
  • $2,500 Medallion(R) Qualification Dollars (new) each Medallion Qualification Year. Also earn $1 Medallion(R) Qualification Dollar for each $20 of purchases in a calendar year.
  • $200 Delta Stays Credit (new). Get up to $200 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • $120 Resy Credit (new). Up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit (new). Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
  • 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
  • $100 Global Entry Fee Credit. Global Entry membership includes TSA PreCheck.
  • Main Cabin Roundtrip Companion Certificate (enhanced) on US domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. You still have to pay the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).
  • First checked bag free on Delta flights. This perk is worth up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • $350 annual fee (increased). (See Rates and Fees)
  • Terms and limitations apply.

Delta SkyMiles® Reserve Business American Express Card

  • Limited Time Offer: Earn 110,000 Delta SkyMiles (increased) after $12,000 in purchases within your first 6 months of Card Membership. Offer Ends 3/27/24.
  • $2,500 Medallion(R) Qualification Dollars (new) each Medallion Qualification Year. Also earn $1 Medallion(R) Qualification Dollar for each $10 of purchases in a calendar year.
  • Delta Sky Club access (changed). Enter Delta Sky Club(R) at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Centurion Lounge access. Enjoy complimentary access to The Centurion(R) Lounge when you book a Delta flight with your Reserve Card.
  • $250 Delta Stays Credit (new). Get up to $250 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • $240 Resy Credit (new). Up to $20 per month in statement credits on eligible Resy dining purchases using your enrolled Card.
  • $120 Rideshare Credit (new). Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
  • 15% off discount on Award Travel on Delta flights booked through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $100 Global Entry Fee Credit. Global Entry membership includes TSA PreCheck.
  • Fee Credit for Global Entry or TSA PreCheck. Worth up to $100 towards Global Entry (which includes TSA PreCheck).
  • First Class Main Cabin domestic round-trip companion certificate. Companion Certificate on First Class, Delta Comfort+(R), or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. You must still pay for government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Enjoy 3X miles per dollar on eligible Delta purchases.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
  • $650 annual fee (increased). (See Rates and Fees)
  • Terms and limitations apply.

Again, Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 100,000 Skymiles can reduce the price of your Delta ticket by $1,000 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

In my opinion, the Delta Gold is still the best for most casual Delta customers because of the high potential upfront value in the first year (bonus miles + $200 flight credit) all with no annual fee for the first year. Even after the first year, the $100 increase in flight credit ($100 to $200) more than offsets the $51 increase in annual fee ($99 to $150) as long as you spend $10,000 in purchases during the year. That’s on top of the other perks like free checked bags. The main draw of the Platinum is the ability to earn MQDs for elite status, along with the Main Cabin companion certificate. The main draw of the Reserve cards is the ability to earn even more MQDs, the airport lounge access and the First Class companion certificate. I have used the companion certificate several times in the past and have gotten good value out of it.

During a limited-time offer, I will add these to my list of the Top 10 Best Credit Card Bonus Offers.

Rates and Fees for Delta SkyMiles® Gold American Express Card

Rates and Fees for Delta SkyMiles® Platinum American Express Card

Rates and Fees for Delta SkyMiles® Reserve American Express Card

Rates and Fees for Delta SkyMiles® Gold Business American Express Card

Rates and Fees for Delta SkyMiles® Platinum Business American Express Card

Rates and Fees for Delta SkyMiles® Reserve Business American Express Card

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Bilt Mastercard: Earn Rewards For Paying Rent w/ Any Landlord (February 1st Promo, Aeroplan Transfer Bonus)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

February 1st Bilt Rent Day reminder. The Bilt Mastercard offers rewards for all renters, plus they roll out special promos on the first of every month (“Rent Day”). On February 1st, they are offering:

  • Air Canada Aeroplan points transfer bonus. Get at least a 75% transfer bonus (1,000 Bilt points = 1,750 Aeroplan points). As part of the Star Alliance, you can redeem for flights with 45+ partner airlines.
  • Special Valentine’s Day dining experiences. Book all-inclusive experiences for two at romantic restaurants in New York, Los Angeles, San Fransisco, Miami, Boston, and Washington D.C. I see some at 12,500 points or $150. Reservations open 2/1.

Bilt members can again book complimentary bike sessions on the 1st of each month at SoulCycle studios across the country. 10 bikes available per class on a first come, first served basis. One rider will get their rent paid (up to $2,500).

There is also the new game show (one question only, prize is an entry to enter drawing to win free rent) on top of the usual PointsQuest trivia (I always try to grab these 250 points on the 1st of each month).

Plus the usual Double Points on Rent Day:

Just joined recently? Don’t miss these free Bilt Points opportunities (any day). Bilt lets you earn bonus points for a variety of different small activities, which can add up to 1,000+ easy points. I don’t know if these are officially listed anywhere, but I got them.

  • After I first got approved for the Bilt card, they offered me 5X Bilt points on all purchases (except rent) for a limited period of time (reader Eileen reports 5 days). This is a good opportunity to earn 5X points for everyday larger purchases like insurance, tax payment, charitable giving, or utility bills. Max 50,000 points.
  • 100 points for linking each transfer partner. Link Hyatt? 100 points. Link Air Canada Aeroplan? 100 points. Link them all! 10+ partners = 1,000+ points.
  • 500 points for Amazon Shop with Points. Link your Amazon account and you can buy stuff with Bilt points at the usual mediocre 0.7 cents per points value. Linking gets you 250 points, and using the program (spend at least 1 Bilt point) and get another 250 Bilt points.
  • 100 points for each credit card linked to Bilt Dining (up to 300 points). Bilt Dining lets you earn 5X points per dollar when you pay at an eligible restaurant using a linked credit card. Link three different credit cards, get 300 Bilt points.

Important reminder: You must use your card to make 5 purchases (of any amount) each statement period to earn points.

Full review:

The updated Bilt Mastercard is a unique credit card that earns rewards on rent payments to any landlord. Bilt is a rent payment platform and they will send your landlord a check or ACH bank transfer so that your landlord will not have to do anything. In addition, the credit card has bonus categories and a variety of points redemption options like many other rewards credit cards. Here are the highlights:

  • Up to 1X points spent on rent payments without the transaction fee, up to 50,000 points each calendar year.
  • 3X points on dining.
  • 2X points on travel including hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies.
  • 1X points on other purchases.
  • Earn points when you make 5 transactions that post each statement period.
  • When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian(TM), TransUnion(TM), and Equifax(TM).
  • No annual fee.
  • World Elite Mastercard perks like cell phone insurance and purchase protection.

That means your rent can be up to $50,000 per year ($4,166 per month) and you would still be able to take full advantage of the 1X points per dollar spent on rent payments. They do require you to make at least 5 transactions per month (rent can be one), otherwise too many people might just put their rent on the card and not use the card otherwise.

Bilt has partnered with the owners of over 2,000,000 apartment units to create the Bilt Rewards Alliance. The easiest way is find out if you live in a qualifying property is to simply type in your address into the Bilt app.

Bilt also offers Double Points on “Rent Day”, aka the 1st of every month. This means that on the 1st day of every month, you can get 6X on dining, 4X on travel, and 2X on other purchases(except rent). They also offer other promos on this day. For example on 12/1/2022, you can transfer 1 Bilt point into 2 IHG points (1:2 instead of 1:1).

Bilt Rewards Points redemption options

Travel partners. Bilt Rewards points transfer on a 1:1 basis to the following hotel and airline partners. You can also get 100 bonus points for every loyalty program you link to Bilt.

  • American Airlines AAdvantage
  • Air Canada Aeroplan
  • United Airlines
  • Hawaiian Airlines
  • FlyingBlue (Air France/KLM)
  • Miles & Smiles (Turkish Airlines)
  • Emirates Skywards
  • Cathay Pacific Asia Miles
  • British Airways Executive Club
  • Virgin Atlantic Flying Club
  • Aer Lingus Aer Club
  • Turkish Miles & Smiles
  • Iberia Plus
  • World of Hyatt
  • IHG One

Hyatt hotel points, American, United, and Hawaiian miles are likely the most useful points for the average US traveler. I am conservative when valuing points and miles due to their redemption hassles and steady threat of devaluation, so I would place the value here a 1 cent a point even though I definitely plan to exceed that. You may wish to use a different value.

Home Downpayment? Bilt says that your points can be redeemed at 1.5 cents per point when used towards a home downpayment. This seems like it might be rather complicated to actually redeem, so I would keep it mind but wouldn’t count on it. If you racked up 100,000 points over time, it would be nice to have $1,500 via this method.

Shop with Points at Amazon. You can link your Bilt Rewards points to Amazon and pay for your purchases at rate of 0.70 cents per point.

Rent. Bilt will let you convert points towards your next rent payment at 0.55 cents per point. This is not a good redemption rate when compared to the miles/Hyatt option. It’s too bad there is no easy, decent cash-out option.

Statement credit. Bilt will also let you convert points towards a statement credit on your credit card statement at 0.55 cents per point.

Other options include fitness classes or physical items like “limited-edition” home decor or art in the “Bilt Collection” catalog. Personally, I like being able to add to my Hyatt and Canada Aeroplan stash.

Possibly help your credit score? When renting at a Bilt Alliance property, your on-time payment activity can be automatically reported to the three major credit bureaus. In addition, with the optional “BiltProtect” feature, your rent payments will be immediately withdrawn from a linked bank account so your credit limit is not decreased (and ideally your rent won’t contribute to your credit card debt).

How do I pay my landlord or property manager? They don’t take credit cards due to the transaction fees. Bilt will provide you with a bank ACH routing number and account number that you can use to perform an ACH transfer, or they will simply send a paper check on your behalf. You don’t actually pay with the credit card, nor do you or your landlord have to pay any credit card transaction fees.

Free cell phone protection. Pay your monthly cell phone bill with your Bilt Mastercard and get up to $800 of protection (subject to $25 deductible) against covered damage or theft. For complete coverage details, visit wellsfargo.com/biltbenefits. To file a claim, call 1-800-316-8051 or visit mycardbenefits.assurant.com.

Bottom line. The Bilt Mastercard offers a unique rewards structure targeted specifically at all renters with any landlord. At $2,000 a month in rent, the 1X rewards would add up to 24,000 points per year in rewards = 24,000 American/United/Hawaiian miles or 24,000 Hyatt points with no additional transaction fees and no credit card annual fee. You may even do better if you wait for a “Rent Day” promo on the first of the month. Something to consider if you already have to pay rent anyway.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


United(SM) Business Card Review: New 100,000 Bonus Miles Offer

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

New 100k offer. The UnitedSM Business Card offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Right now, there is also an improved 100,000 miles new customer offer. Here are the highlights:

  • Earn 100,000 bonus United miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • 5,000-mile “better together” bonus each anniversary when you have both the United(SM) Business Card and personal Chase United credit card.
  • Free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • 2X miles per $1 spent on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and ride share services.
  • 2X miles on dining, gas stations and office supply stores.
  • 2X miles on United purchases and 1 mile per $1 spent on all other purchases.
  • 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.
  • Employee cards at no additional cost.
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • $99 annual fee.

This card is considered a “new” card, differ from the old Business Explorer card:

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.

In addition, you can get this card and bonus if you had the consumer version of the United Explorer in the past 24 months (or have one now).

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.

Note that Chase has an unofficial rule that they will most likely deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

The good news is that small business cards from Chase hardly ever show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are already eligible.

This card is very focused on rewarding you for being a United customer. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is usually $35 per person, each way, so that this how they get the value of $140 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on.

Expanded award availability. This card also makes it easier for you to redeem those miles on Saver level tickets with no blackout dates for MileagePlus members booking award flights on United. Expanded and exclusive award seat availability on selected flights are another perk of this card.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On many other 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 Business card offers valuable 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 Small Business Card Bonus Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.