Top 10 Best Credit Card Bonus Offers – May 2021 (Updated)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated May 2021.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. We do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added United Quest 100k, Hilton 130k no annual fee, Venture 100k/$1,000, IHG 125k+Free Night, Sapphire 80k/$1000.
  • Removed Delta 70k, Southwest w/ Companion Pass, JetBlue 60k, Hyatt 50k, United 70k, Freedom Flex Grocery offer, Barclays AA, Marriott 5 Free Nights.

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.

Chase Sapphire Preferred Card

  • 80,000 Ultimate Rewards points (highest ever, worth $1,000 minimum towards travel and more) after $4,000 in purchases within the first 3 months. Up to 25% boost in Ultimate Rewards redemptions. See link for details.
  • + Up to $50 in statement credits towards grocery store purchases. Just spend $50 at any grocery store in your first year after opening, and get $50 in statement credits.
  • Pay Yourself Back: 80k points = $1,000 back on dining, groceries, and home improvement through 9/30/21.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 60k bonus worth $900 towards UR travel. Up to 50% boost on Ultimate Rewards redemptions, 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit.

United Quest Card

  • Up to 100,000 United miles. 80,000 bonus miles after $5,000 on purchases in the first 3 months, + an additional 20,000 bonus miles after you spend $10,000 in the first 6 months. See link for details.
  • Free first AND second checked bag for both you and a companion (a savings of up to $320 per roundtrip).
  • $125 credit on United purchases and two 5k-mile anniversary award flight credits, each year. Terms apply.
  • Primary rental car coverage.
  • $250 annual fee.
  • Subject to 5/24 rule.

Capital One® Venture® Rewards Card

  • 100,000 miles (worth $1,000 towards travel) after $20,000 in purchases within the first 12 months. See link for details.
  • 2X miles on ALL purchases..
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Hilton Honors American Express Card

  • Up to 130,000 Hilton Honors points. 80k points after $1,000 in purchases in first 3 months, plus another 50k points after $5,000 in purchases in the first 6 months. See link for details.
  • Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • No annual fee.

IHG Rewards Club Premier Card

  • 125,000 IHG Rewards club points + 1 Free Award Night after $3,000 in purchases within the first 3 months. Award night up to 40k points value. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • 4th Award Night Free (Book 3 nights in a row with points, 4th is free)
  • $89 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version is now at 60,000 IHG points.

American Express® Rose 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 at restaurants worldwide.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

The Platinum Card from American Express

  • 75,000 Membership Rewards points after $5,000 in purchases in first 6 months. See link for details.
  • 10X Membership Rewards points per dollar spent at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s up to another 150,000 points!
  • $200 in Uber/Uber Eats credits annually.
  • 5X Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • Best airport lounge access program including Delta SkyClub and exclusive Centurion lounges.
  • $550 annual fee.

Citi / AAdvantage Platinum Mastercard

  • 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Citi Premier Card

  • 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on travel including gas stations.
  • 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.

Bank of America Premium Rewards Card

  • 50,000 points (worth $500 towards travel) after $3,000 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.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Hawaiian Airlines World Elite MasterCard

  • 70,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

U.S. Bank Altitude Reserve Credit Card

  • 50,000 bonus points ($750 value towards airfare) after $4,500 in purchases within 90 days. See link for details.
  • $325 in annual statement credits towards travel and takeout, food delivery and dining purchases per Cardmember year (based on account opening date)
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • Priority Pass Select membership for airport lounge access.
  • $400 annual fee. (Bigger bonus, big annual fee.)

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 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.

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 from any issuer 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 Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Hilton American Express Cards: Up to 130,000 Points on No Annual Fee Card

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New offer. Hilton Hotels and American Express have co-branded credit cards with special perks for Hilton customers. Each person can only get one welcome offer, per card in your entire lifetime, so it’s best to apply during a temporary bump-ups. Right now, the sweet spot might be this no annual fee card that can easily get you over $500 of value towards Hilton hotel stays.

Hilton Honors American Express Card

  • Up to 130,000 Hilton Honors bonus points. 80,000 points after $1,000 in purchases within the first 3 months. Additional 50,000 Hilton Honors bonus points after $5,000 in purchases in the first 6 months.
  • 7X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 5X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • Spend $20,000 in a calendar year on this card and get Honors Gold status through the end of the next calendar year.
  • No foreign transaction fees.
  • No annual fee. (See Rates and Fees)

Hilton Honors American Express Business Card

  • 130,000 Hilton Honors bonus points after $3,000 in purchases within the first 3 months.
  • Additional $150 statement credit after your first purchase of any amount within the first 3 months.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on Select Business & Travel Purchases (ex. U.S. gas stations, U.S. restaurants, flights booked directly with airlines)
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • $95 annual fee. (See Rates and Fees)

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 150,000 points = $750 value and 100,000 points = $500 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you keep them active (once every 12 months), I do like to keep some around. These credit cards are good at creating activity, but here’s another tip on how to keep Hilton points active.

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their policy to only allow each person to get a welcome bonus once per card per lifetime.

Due to this excellent limited-time offer, I will be adding this to my Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

New United Quest Card Review – 100,000 Mile Launch Offer

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

The newly-launched United Quest Card is a new premium travel card that offers a lot of added perks on United Airlines for a higher annual fee. As part of its initial launch, they have a 100,000 United miles bonus offer. Here are the highlights:

  • Up to 100,000 bonus United miles. 80,000 bonus miles after $5,000 on purchases in the first 3 months. Plus, an additional 20,000 bonus miles after you spend $10,000 in the first 6 months. (That works out to about a $1,700 per month average.)
  • First AND second checked bags are free for both you and a companion (a savings of up to $320 per roundtrip) when you use your Card to purchase your ticket.
  • $125 annual United purchase credit. Automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year.
  • Two 5,000-mile anniversary award flight credits. Starting with your first anniversary, you’ll automatically get 5,000 miles back in your MileagePlus® account after you take a United® or United Express-operated award flight booked with your miles – up to 2 times every anniversary year.
  • Up to $100 Global Entry or TSA PreCheck Fee Credit
  • Priority boarding.
  • Expanded award availability and free upgrades. Having this card makes it easier to find that saver award economy ticket.
  • $250 annual fee.

Here are the ongoing rewards on purchases:

  • 3X miles on United® purchases
  • 2X miles on all other travel.
  • 2X miles at restaurants.
  • 2X miles on select streaming services.
  • 1X on all other purchases.
  • No foreign transaction fees.
  • 25% Back on United inflight purchases (Wi-Fi, Food and Drinks).

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

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

This card is very focused on making it a better experience for regular United customers. You have the first and second checked bag for free on United flights, both for your and a companion traveling on the same reservation. The bag fees are $35 + $45 per person, each way, so that adds up to $320 each roundtrip. After each card anniversary, you get $125 back on your United purchases, which already covers half the $250 annual fee. You save another 5,000 points (up to twice a year) when you book an award ticket with miles. You also get Priority Boarding, and while onboard, you get 25% back on your inflight purchases of WiFi, food, and drinks.

If you are trying to make Premier status on United, this card offers the ability to earn up to 3,000 Premier qualifying points (PQP) per year by just spending on your card.

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

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

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

Bottom line. The United Quest Card offers a long list of special perks for folks that fly United on a regular basis. For the right person, the benefits can be worth much more than the annual fee. During the initial launch, there is a 100,000 mile bonus opportunity.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Pay with Discover Card Points, Get $10 off $30/$50 or 40% Off at Amazon.com (Targeted)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Discover it 14 ImageCheck again to see if targeted. If you have a Discover card with cash back rewards, you can redeem them to buy eligible items at Amazon.com. The redemption rate is $1 in Cash Back Bonus = $1 to spend at Amazon, which is the same rate as their statement credit redemptions. Check each of these targeted promotions and activate for an additional discount for redeeming a single penny’s worth of points. I have gotten them multiple times in the post, and got it again this time as well:

Here are some additional tips:

  • If you haven’t linked your Discover yet, you can link your Discover Cashback points balance to your Amazon account here. Try again in a day or two.
  • If you have already linked your Discover card previously and aren’t targeted, consider removing your Discover card from your account completely, and then linking it again after a day. Try again in a day or two.
  • Items must be marked as both sold AND shipped by Amazon.com.
  • Be sure to select your Discover Card as your payment method and redeem at least 1 point or $0.01 in value of Discover points.
  • You should see the promo credit on final order checkout page, right before final purchase.

This is a recurring perk for existing Discover cardholders, which is why I never cancel a card with no annual fee. Check out my Discover it credit card review, one of my keeper 5% cash back cards.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Amazon: Pay with American Express Points, Get $10 to 40% Off (Targeted)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Check again to see if targeted. If you have an American Express card with Membership Rewards (MR) points, you can redeem them to buy eligible items at Amazon.com. The redemption rate is 1 MR points = 0.7 cents to spend at Amazon, which unfortunately is less than a cent per point and thus not really the ideal use of MR points. (I get 1 cent per point minimum on Delta flights.) However, here are targeted promotions where you can save money after redeeming just 1 single MR point (a penny’s worth). I have gotten them multiple times in the post, and got it again this time as well:

Here are some additional tips:

  • If you haven’t linked yet, you can link your Membership Rewards points balance to your Amazon account here.
  • If you have already linked your cards and aren’t targeted, you may consider removing your American Express card from your account completely, and then linking it again after a day, and then checking the offer page(s) again after another day.
  • Items must be marked as both sold AND shipped by Amazon.com.
  • Be sure to select your American Express as your payment method and redeem at least 1 point or $0.01 in value of Membership Rewards points.
  • Savings should be reflected on the final order checkout page, before you commit to purchase.

This is a recurring perk for existing American Express cardholders, which is why one of my two “keeper” consumer American Express cards is the Amex EveryDay Card (keeps my Membership Rewards points active with no annual fee, helps qualify for various Amazon promotions). The other is the Blue Cash Preferred from AmEx (6% cash back on US supermarkets, up to $6,000 annually).

You can also earn and keep Membership Rewards points active with a small business card. My favorite business American Express card is the Blue Business Plus Card – Earn 2X Membership Rewards points on all purchases, of up to $50,000/year. There is also the Blue Business Cash Card that earns a flat 2% cash back on up to $50,000 in purchases each year. Both have no annual fee.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Chewy.com: 10% Off All Gift Cards (Up to $50 Savings)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Online pet store Chewy.com is offering 10% off all gift cards until May 10th, 2021. No promo code required, look for discount applied at checkout. Limit 1 order per customer and a limit of up to $500 in gift card purchases per customer. Valid until 5/10/2021 9:00 AM EST, while supplies last. Easy gift idea, or if you shop at Chewy anyway for your furry buddy, this essentially a $50 savings off $500.

They also have their standard 30% off your first Autoship order, which is similar to Amazon Subscribe & Save where you’ll then save an ongoing 5%-10% if you continue. However, you can cancel at any time, even after the first order. Flea medicine, big bag of dog/cat food, bulk pack of treats, etc.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Target REDcard 5% Off, $40 off $40+ Coupon For New Approvals

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

$40 off $40 coupon is back. We’ve become regular users of the Target app and their Drive-Up option. No markups, well-organized, dedicated parking area, and minimal waiting. I expect to keep using this curbside pickup service even beyond the pandemic. If only Costco had a similar service!

The Target REDcard offers 5% off all Target purchases both online and in-store (Target gift cards excluded, in-store Starbucks included) and free 2-day shipping on qualifying items. No annual fee. From May 1st through May 28th, newly approved REDcard applicants can receive a $40 off $40+ coupon (valid in-store or online) along with their new card in the mail. There are a bunch of restrictions (see below), but I can easily spend $40 on snacks and other household goods.

Debit card version. A lesser-known fact is that you can get it as a debit card such that it withdraws money directly from your linked bank account, and applying for it won’t harm your credit score (nor hinder your ability to apply to other, more lucrative credit cards). Instead of a credit check at one of the 3 major bureaus, a reader reports that Target uses SageStream (formerly ID Analytics) for debit cards, another consumer reporting agency.

If you don’t want to use a REDCard, Target Circle offers 1% cash back on top of your usual credit card rewards.

You can earn 1% to redeem at Target later when you use non-RedCard payment types on eligible purchases. (To earn 1%, a RedCard can’t be used for any portion of the purchase.) Just scan Wallet in the Target app or enter your mobile number in store, or make a purchase online. Restrictions apply.

Here’s the full list of restrictions on that $40 off $40 coupon.

RedCard $40 offer: Get a coupon for $40 off an over $40 qualifying purchase when you are approved for a debit or credit RedCard in-stores and at Target.com between 5/2/21-5/29/21. The coupon will be mailed to approved cardholders with their RedCard and will be valid through 6/26/21. *Excludes items sold & shipped by Target PlusTM Partners. Excludes alcohol, Apple products, Baby Alive Grow Up Baby, Barbie (Camper, Dreamhouse, Dreamplane, Malibu House and Townhouse), Beats Powerbeats Pro, Beats Solo Pro, Bose, Cards Against Humanity, Casper, The Child action figure, CVS clinic & pharmacy, Cricut, dairy milk, DockATot, Dockers, Disney Frozen Castle, DSLR cameras & lenses, Dyson, Elvie, Facebook Oculus and Portal, face masks (Dolan, Sanctuary & Sugar Fix brands), Fitbit, gift cards, Google, HALO Baby, Hasbro Games (Classic Monopoly, Connect Four, Jenga, Rubik’s Cube, Sorry, Trouble), Hatch Maternity, Hot Wheels Ultimate Garage, HP Inc., Infant Optics, Instant Pot, JBL, LEGO, Levi’s Red Label, LG OLED TV, limited-time designer partnerships, Mega Bloks, mobile contracts, Motrin pain relief, Nerf Ultra, Ninja, Nintendo hardware and Switch games, Polder, Poo-Pourri, Peg Perego, Philips Avent, power shave, power dental, Harry’s and Flamingo, prepaid cards, PlayStation consoles and accessories, Samsung TVs, simplehuman, Sonos, Sony Electronics, Target Optical, Tempur-Sealy, Traeger, Tylenol pain relief, Unlocked phones, Vera Bradley handbags, Weber, What Do You Meme?, Xbox consoles and accessories, and the Zoe Doll.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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 Boundless Card Review: 100,000 Points Limited-Time Offer (50k on No Fee Version)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New limited-time offer. The Marriott Bonvoy Boundless credit card is a travel rewards card that arose from the merger of Starwood Preferred Guest and Marriott hotels. Here are the highlights:

  • 100,000 bonus points after you $3,000 in purchases within the first 3 months from account opening.
  • Additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2X Bonvoy points per $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • $95 annual fee.

Keep in mind the following:

The bonus is not available to you if you:

(1) are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott BonvoyTM American Express® Card (also known as The Starwood Preferred Guest® Credit Card from American Express);

(2) are a current or previous cardmember of either Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember bonus or upgrade bonus in the last 24 months; or

(3) applied and were approved for Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card) within the last 90 days.

That’s a lot of long card names, but note the different 30-day, 90-day, and 24-month waiting periods that may now include Marriott business cards. (See my Marriott Bonvoy Business American Express Card Review.) This is why you should be looking to get the best possible bonus (like a limited-time offer) if you do apply.

The Marriott and Starwood merger is now complete, and you can use these points at either Marriott properties (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood Properties (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft).

Here’s the new award chart information:

50,000 points will get you a free night at a Category 5 hotel (any time including peak), Category 6 hotel (off-peak or standard), or Category 7 (off-peak). A sample Category 5 hotel is the Courtyard Waikiki Beach in Hawaii. A sample Category 6 hotel is the Sheraton Kauai Resort or Residence Inn Maui Wailea. A sample Category 7 hotel is the Westin Moana Surfrider in Waikiki, Honolulu or the Westin Princeville Ocean Resort Villas.

Points can also be transferred to airline miles with a bonus. 60,000 Marriott points = 25,000 airline miles. Similar to the old Starwood bonus structure, they will add 15,000 points for every 60,000 points you transfer to airline miles.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Free Night Award. At your card anniversary (when you pay the annual fee), 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 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that qualify under the 35,000 point limit:

  • Sheraton Kona Resort (Big Island, Hawaii)
  • Westin Hapuna Beach 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

No annual fee alternative. The Marriott Bonvoy Bold card is also running a limited-time offer of 50,000 bonus points after $1,000 in purchases within 3 months of account opening, all with no annual fee (but lesser ongoing rewards).

Bottom line. The Marriott Bonvoy Boundless Credit Card (formerly the Marriott Rewards Premier Plus Credit Card) is currently offering 100,000 bonus points for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free annual night award should easily cover the annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Amazon Explore: Virtual Live Travel Experiences (First Free for Prime Members, Up to $50 Value)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Amazon Explore allows you to virtually “travel” and explore a new place with your own personal tour guide. There are tours, educational classes, interactive shows, and personal shoppers. For the tours, it appears that you get the equivalent of a Zoom/FaceTime/WebEx call with someone who actually lives in Australia/Venice/Tokyo and they take you around in an interactive experience. Currently, Prime members can get their first live virtual experience free (up to $50 value) with promo code FREEFUN.

You pick the specific time and date at the time of purchase. Since it is live, be aware that your experience may be in a very different time zone. Here are some quick links that caught my eye:

I hope the kids like their private magic show!

Hat tip to Doctor of Credit.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

Big List of Free Stocks For New Commission-Free Brokerage Apps (Updated 2021)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated offers. TradeUP 5 free stocks. I have the strange hobby of trying out new fintech apps while also collecting their sign-up incentives. Here are several different brokerage apps that offer some variation of free stock trades, modern user interface, real-time quotes, and social sharing. Many are structured like a free lottery ticket with a minimum payout – the odds are that you’ll get a stock valued on the lower end of the ranges mentioned, but I have gotten a few big shares like AAPL before the recent split. They all require a referral link, which means I can get some free stocks as well. A couple are offering 2X to 4X their usual bonuses right now.

TradeUP 5 Free Stocks Offer (Open in mobile browser)

  • Open a TradeUP account (no deposit required) and get 1 free stock worth between $2 to $15. Make an initial deposit of $100 and get 1 additional free higher-priced stock worth from $15 up to $1,000 each. Make an initial deposit of $1,000+ and get 2 additional free stocks worth up to $1,000 each. Make an initial deposit of $5,000 and get 3 free stocks worth up to $1,000 each. Make an initial deposit of $5,000 and get 4 free stocks worth up to $1,000 each.
  • TradeUP will also reimburse you for a brokerage transfer fee up to $200 if you meet their requirements.
  • TradeUP is a backed by Marsco Investment Corporation and offers free stock trades, free real-time quotes, and a full-featured brokerage account.
  • I have done this deal and gotten my free stocks as promised without issue.

MooMoo 4 Free Stocks Offer

  • Open a Moomoo account and deposit $100 to get 1 free stock up to $200 each. When your net deposit reaches $1,500, both of you will get 1 more free higher-priced stock worth up to $1,000 each. When your net deposit reaches $5,000, you will get 2 more free higher-priced stocks worth up to $1,000 each. That’s a total of up to 4 free stocks. Deposits must arrive within 90 days of account opening.
  • Moomoo offers free stock trades, free options trades, and a full-featured brokerage account. This is a limited-time offer, the standard offer is only one free share of stock.
  • I have done this deal and gotten my free stocks as promised without issue.

WeBull 2 Free Stocks Offer

  • Open a Webull brokerage account and get 2 FREE stocks valued at up to $1,850 total. Just open an account and get a free stock valued from $2.50 to $250. Make an initial deposit of $100+ and get a free stock valued from $8 to $1,600.
  • WeBull will also reimburse you for a transfer fee up to $100 if you transfer at least $2,000+ value to WeBull from another brokerage.
  • WeBull offers free stock trades, free options trades, free crypto trades, and a full-featured brokerage account. This is a limited-time offer, the standard offer is only one free share of stock.
  • I have done this deal and gotten my free share of stock as promised without issue. See my WeBull review for more details.

Firstrade 2 Free Stocks Offer

  • Open a Firstrade account and get a free share of stock ($3 to $200 value) right away. Deposit or transfer $100 or more within 30 days of account approval for an additional free share of stock. This is a limited-time offer as the usual bonus is only one free share of stock.
  • Firstrade actually a long-established traditional discount brokerage that offers free stock trades, free options, and free mutual fund trades. There have been bigger past bonuses with $2,000 minimum deposits, but this one requires nothing but a new approved account.
  • I’ve had a Firstrade account for several years, got a bonus way back when as promised without issue. See my Firstrade review.

M1 Finance $30 Offer (Open in mobile browser)

  • Open an M1 Finance account and get $30 after you use a referral link and make an initial deposit of $100 for taxable accounts and $500 for IRAs within 30 days of sign-up, and not withdraw the initial deposit within 30 days. If you are transferring over a sizable portfolio from another brokerage, you can earn much more money with a transfer bonus (see main post). This is a limited-time offer, the standard offer is only $10.
  • M1 is different in that it actually promotes a long-term buy-and-hold portfolio and it automatically invests and rebalances your contributions according to your chose “pie”. See my M1 Finance post for more details.
  • I opened my account with no bonus, just wanted to try out their software.

SoFi Invest Free $50 Stock Bit Offer

  • Open a SoFi Invest account and deposit at least $5,000 to get $50 worth of your favorite stock. Choose from over 100 popular stocks like Amazon, Tesla, Disney, Apple, and Nike.
  • SoFi offers free stock trades, free fractional trades, and free crypto trades.
  • I have done this deal and gotten my free share of stock as promised without issue.

Public $15 Free Stock Offer (Open in mobile browser)

  • Open a Public account via referral download link (open in mobile) and get a free stock slice worth $15. No deposit required.
  • Public app offers free fractional stock trades, in additional to the ability to share your portfolio.
  • I have done this deal and gotten my free share of stock as promised without issue. Be sure to open the link in a mobile web browser, which will redirect you to the app download.

Robinhood Free Stock Offer

  • Open a Robinhood account and link a bank account to get a free share of stock (up to $200 value). No deposit required.
  • Robinhood app offers free stock trades, free fractional trades, and free crypto trades.
  • I have done this deal and gotten my free share of stock as promised without issue.

Voyager Free $25 Bitcoin Offer (open link in mobile web browser)

  • Open a Voyager account and trade $100 of crypto to get $25 in Bitcoin free. Use link above and/or promo code JONA3F at sign-up.
  • Voyager app offers free crypto trades and allows you to earn interest on cryptocurrencies, including stablecoin.
  • I have done this deal and gotten my free BTC as promised without issue.
My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

OhmConnect: Get Paid For Saving Energy One Hour Per Week ($25 Sign-Up Bonus, CA Only)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated, new limited-time $25 bonus. OhmConnect works with consumers and their local utilities to lower energy costs and save money together. Before reading any further, it appears that cash payments are only for customers of PG&E, SDG&E or Southern California Edison in California. Here’s how it works:

  • Get notified: The utility lets us know that a time of intense demand is coming up and we notify you about it via an email or SMS. This is usually one hour a week between 5-9 pm when solar energy is not available.
  • Reduce: OhmConnect community members reduce our energy usage by turning off lights, giving our thermostats a break and not using electronics. (The easiest way to do this is by having your thermostat connected and smart plugs attached to your home’s biggest energy hogs.)
  • Get rewarded: The utility saves money by avoiding having to turn on their dirty and expensive “peaker plants”. The utility pays OhmConnect, which in turn passes on 80% to you.

Rewards include cash via PayPal, Amazon gift cards, and/or Target gift cards. Supposedly, you can earn $100 to $300 a year. If you connect any smart home devices like a Nest thermostat or an electric vehicle, you can earn extra bonuses and also automate your participation. OhmConnect participation is free and does not affect your existing utility service.

If you are a California resident and customer of PG&E, SDG&E or Southern California Edison, sign up for OhmConnect here and link your account and get a $25 bonus. This is a limited-time offer during April 2021 (Earth Month), as their usual bonus is only $10. You will also be able to then refer others for a $50 bonus if they open a new account and link a utility. That is my referral link, thanks if you use it.

Seems like a reasonably win-win-win arrangement if you reduce pollution while you’re at it. I wrote about this first back in 2017, but just got the e-mail about the limited-time Earth Month bonus boost. Please feel free to share your experiences with OhmConnect if you’ve used them for a while.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.

M1 Finance Review: Free DIY Robo-Advisor ($30 Referral Bonus, Up to $4,000 Transfer Bonus)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated. My favorite option in the now-crowded “robo-advisor” category is technically not a registered advisor at all, it is M1 Finance. Here’s a quick rundown of what makes them different:

  • Fully customizable. You pick your own target asset allocation “pie”. (You can add ETFs or individual stocks.) You can simply copy one of the many model portfolios out there, or customize it as you like. You have full control! M1 handles the boring stuff, like rebalancing or dividing a $100 contribution across 8 different ETFs. Here is my pie which I named the My Money Blog Portfolio.
  • No commissions. Free stock/ETF trades with a low $100 minimum account size for taxable accounts and a $500 minimum for retirement accounts.
  • 0.00% management fee! Most robo-advisors charge an annual management fee of 0.25% to 0.50% of assets (or force you to own something bad, like artificially low-interest cash).
  • Free dynamic rebalancing. M1 will rebalance your portfolio back to the target allocation for you automatically (for free) whenever you chose. All new deposits (and withdrawals) will be invested (or sold) dynamically to bring your portfolio back toward your target asset allocation. You don’t need to do any math or maintain any spreadsheets. You can also manually rebalance on-demand.
  • Fractional shares (dollar-based). For example, you can just set it to automatically invest $100 a month, and your full amount will be spread across multiple ETFs. Dollar-based transactions were one of the advantages of buying a mutual fund, but fractional shares solve this problem. ETFs are also usually more tax-efficient.
  • Real brokerage account that you can move out. Some roboadvisors hold special, proprietary funds that you have to sell if you ever leave, possibly creating a big tax bill. M1 is really just a regular brokerage account, so you can move your ETFs and stock shares out to another broker whenever you want.

M1 Finance checks off nearly all the boxes of my brokerage wish list. They do all the managing for me, but according to my rules. But since I can choose the exact ETFs that they purchase, if I decide to stop their service down the line, I just end up with a brokerage account filled with ETFs that I can easily move elsewhere. I suppose the only thing they could add would be to have the high availability of customer service of a huge company like Fidelity or Schwab. Otherwise, I really like their feature set and I have been putting my recent annual IRA contributions into M1.

How do they make money? They have a variety of income streams, most of which are optional:

1) Interest on idle cash (can be minimized as you can auto-invest all idle cash in the investment account)
2) M1 Borrow (margin loan interest)
3) M1 Spending (debit card generates fees for them)
4) Payment for order flow (same as Robinhood and TD Ameritrade)
5) M1 Plus (premium $125 a year subscription that gets you higher interest rates and debit card cash back).

$30 referral bonus. There is currently a $30 referral bonus only available if you open with a M1 Finance referral link (that’s mine), make an initial deposit of $100 for taxable accounts and $500 for IRAs within 30 days of sign-up, and not withdraw the initial deposit within 30 days. This is a limited-time offer, the standard offer is only $10.

M1 transfer bonus. By transferring over your portfolio from another brokerage, you can earn additional money with their transfer bonus. Transfer an outside brokerage account or IRA to M1 and earn up to $4,000. After opening an M1 account, simply upload your outside brokerage statement and they will do the transfer work for you.

Bottom line. M1 Finance is a new brokerage account that acts like a free, customizable robo-advisor with automatic rebalancing into a target portfolio. I deposited part of my annual Roth IRA contribution with them.

Disclosure: I am now an affiliate of M1 Finance, and may be compensated if you click through my link and open a new account.

Also see: Big List of Free Stocks For New Commission-Free Brokerage Apps

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. 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.