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.

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.

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.

Looking to pay off any remaining credit card debt? 📈 Shopping around for the best balance transfer offer can save you thousands of dollars in interest. Below is a freshly updated list of the best 0% APR balance transfer offers. I try to include both the big banks and lesser-known credit unions with easy membership requirements.

Best No Balance Transfer Fee 0% APR Offers

Fairwinds CU Cash Back Card – 0% Introductory APR for 12 months on purchases and balance transfers and no balance transfer fees. After the intro APR offer ends, a variable APR will apply. You must be an Fairwinds Credit Union member to obtain this card, but membership is open to everyone. You must also keep a nominal $5 in a share savings account. Also earns 1.5% cash back on purchases. No annual fee.

La Capital FCU Rewards Card – 0% Introductory APR for 12 months on balance transfers and no balance transfer fee during the first 90 days after account opening. After the intro APR offer ends, a variable APR will apply. You must be an La Capitol Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $20 (Louisiana Association for Personal Financial Achievement). You must also keep a nominal amount (usually around $5) in a share savings account. No annual fee.

Navy Federal CU Platinum Card – 0.99% Introductory APR for 12 months on balance transfers during the first 60 days after account opening and no balance transfer fees. (This is not 0%, but ~1% is still quite rare in the current interest rate environment.) After the intro APR offer ends, a variable APR will apply. You must be an Navy Fedral Credit Union member to obtain this card, and membership is limited to those with a military affiliation, although it does include anyone whose immediate family member serves or has ever served in the military. You must also keep a nominal amount (usually around $5) in a share savings account. No annual fee.

Comparing a shorter no-fee balance transfer vs. a longer one with a modest fee. As of January 2024, the average credit card interest rate is roughly 24% APR (!). If you are paying 24% APR, that’s like paying 2% on your balance every month (!). Paying a 3% upfront fee for an 21 month period of 0% would be like paying your current interest rate for 1.5 months and then getting 0% interest for the remaining 19.5 months. That may be preferable to 12 months at 0% with no balance transfer fee, especially if you spread out your payments over the entire period and use that additional time to pay it all off by the end. Here is an example comparison.

• $5,000 balance, 24% APR, 12 month payoff = $472 per month for 12 months. ($5,673 total paid)
• $5,000 balance, 0% APR + No BT fee, 12 month payoff = $417 per month for 12 months. ($5,000 total paid)
• $5,000 balance, 24% APR, 21 months payoff = $293 per month for 21 months. ($6,172 total paid)
• $5,000 balance, 0% APR + 3% BT fee, 21 month payoff = $245 per month for 21 months. ($5,150 total paid)
• $5,000 balance, 0% APR + no BT fee, 21 month payoff = $238 per month for 21 months. ($5,000 total paid) ** not an available offer **

I can see how one might prefer the $245 per month for 21 months, even thought it results in a slightly higher total amount paid than the $417 per month for 12 months. Especially if this creates an attainable plan that the end of 21 months, you are debt-free and you saved over $1,000 in interest ($6,172 vs. $5,150). Even if there was no balance transfer fee for 21 months (which unfortunately isn’t an option), the difference would only be $7 per month.

If you are sure you can pay it all off within the shorter 0% period, then you should pick the no balance transfer fee option.

Best Low Fee, Longer-Term 0% APR Balance Transfer Offers

US Bank Visa Platinum Card  – 0% Intro APR on purchases and balance transfers for 21 billing cycles. After the intro APR offer ends, a variable APR will apply. There is a 3% balance transfer fee ($5 minimum). Side perk of up to $600 in cell phone protection. No annual fee.

Citi Simplicity® Card – 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. This unique card has no late fees and no penalty interest rate. You also get 0% Intro APR on purchases for 12 months from date of account opening. After the intro APR offer ends, a variable APR will apply. There is a 3% balance transfer fee ($5 minimum). No annual fee.

BankAmericard Credit Card – 0% Intro APR for 18 billing cycles for purchases and balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a variable APR will apply. There is a 3% balance transfer fee. No annual fee.

Wells Fargo Reflect Card – 0% Intro APR on balance transfers and purchases for 21 months from date of account account opening. Balance transfers must be made within 120 days from account opening There is 5% balance transfer fee (min $5). No annual fee.

Wells Fargo Reflect Card – 0% Intro APR for 18 months for purchases and balance transfers. After the intro APR offer ends, a variable APR will apply. There is a 3% balance transfer fee ($5 minimum) for balance transfers made in the first 60 days of opening your account. No annual fee.

The Navy Federal Visa Signature Flagship Rewards Credit Card has an updated offer. This is not the highest ever, but it’s still higher than the “standard” offer. The rewards points are now directly redeemable for cash statement credits (not only offsetting travel). Offer expires 2/29/24. The highlights:

• 35,000 bonus points when you spend $3,000 within the first 90 days of opening a new card. 35,000 points can be redeemed for a $350 statement credit.
• Free year of Amazon Prime membership. Use the card to purchase an Amazon Prime annual membership, and they’ll reimburse you ($139 value).
• 3X points per net dollar spent on travel.
• 2X points per net dollar spent on everything else.
• Global Entry or TSA PreCheck fee credit (up to $100), once every 4 years.
• No foreign transaction fees.
• $49 annual fee.

The catch here is that in order to apply, you must first become a NavyFed credit union member. Membership eligibility for NavyFed now goes beyond current and retired members of the armed forces to include their families and household members of veterans, Department of Defense personnel and more.

Each point is worth $0.01, with a minimum redemption 5,000 points = $50 statement credit. Therefore, this card could be considered the equivalent of a 2% cash back card on everything with the added perks of 3% cash back on travel. The drawback is that $49 annual fee, although you could consider that offset by the upfront bonus points, free first year of Amazon Prime membership, and/or $100 TSA PreCheck credit. 4,900 points would directly offset the $49 annual fee.