Best Credit Card Deals

Thanks for stopping by!  After you look at the list below, please, consider  using my Credit card links  To learn more about miles and points hobby, check out my Beginner’s Guide

Offers change constantly, so feel free to contact me for all the latest deals that might not be listed on this page. 

List of best long-term credit cards for a middle-class family

List of best  hotel cards

List of best business cards

The list below, in my opinion, represents the best personal credit card sign-up bonuses available right now:

Southwest Airlines Rapid Rewards Premier Credit card

Apply via my personal referral link and get the following sign-up bonus:

  • Get 50,000 points for 2 Roundtrip Flights after you spend $2,000 on purchases in the first 3 months of opening your account. Government fees as low as $23 not included.
  • You can also redeem 50,000 points for various gift cards, including Amazon (50,000=$500 value)
  • Get 6,000 points after your Cardmember Anniversary.
  • Earn 2 points per $1 spent on Southwest Airlines® and AirTran® Airways purchases made directly with the airlines and on Rapid Rewards Hotel and Car Rental Partner purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • Redeem points for gift cards, car rentals, cruises, hotel stays and international flights to over 800 destinations on 50+ global carriers.
  • No foreign transactions fees.
  • The annual fee of $99 is NOT waived.
  • Sign-up bonus is not available to those who have received it in the last 24 months.
  • Check for working links on all three Southwest card versions ( business card, Plus and Premier) in this Flyertalk thread.
  • This card also pays me commission.

You may also want to read this post on Companion pass, the best deal in family travel.

Capital One Venture Rewards

Be aware, this bank usually pulls all three credit agencies. You can redeem 40,000 points for a $400 gift card to various retailers, including Target.

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don’t expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • This card pays me commission.

Wells Fargo Propel World Amex card

Reported by PFDigest, who found it on Flyertalk. Pays me no commission. 

You’ll need to to have an existing Wells Fargo Checking or Savings account/relationship. (Otherwise, please apply at a Wells Fargo location)

You can get 40,000 points after spending $3,000 in 3 months. Good for at least $400 in gift cards or possibly more towards airfare. 

Be aware, many, including myself, had to mail in tax returns, so it could involve some serious hassle.

All this and more for a $0 Introductory Annual Fee for the first year, $175 for each year after that. Apply for it HERE

  • No foreign currency conversion fees
  • Up to $100 per year in reimbursements toward incidental airline charges3
  • Complimentary room upgrades and more from the Luxury Hotel Program
  • 3X points on Airlines2X points on Hotels1X point on all other net purchases (purchases minus returns/credits)

American Express Premier Rewards Gold 

This is a targeted offer and may not be available to all. I consider it a terrific deal. This offer was last seen on 05/01/2016. This card pays me commission.

Go to CardMatch tool  and fill out your info.  Here are the details:

  • Receive 50,000 Membership Rewards® Points after you spend $1,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you’re traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Also, note what it says in the terms and conditions, so please make sure you do qualify:
  • If you are identified as a current American Express® Card Member, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have had this product within the last 12 months or any other Consumer ZYNC®, Green or Gold Card or Platinum Card® account within the last 90 days.
  • If you can’t get it to come up via Cardmatch tool, try this link in several browsers.

Chase United MileagePlus Explorer card

 There are offers for 75,000 miles, but they are  targeted. Check this direct link for an offer of 50,000 miles+$50 credit after spending $3,000 in 3 months.

That amount is enough for 4 one-way tickets within lower 48 states. Check for best sign-up deals on this card  in this Flyertalk thread.

Citi AAdvantage Platinum Select MasterCard

  • For a limited time, earn 50,000 American Airlines AAdvantage bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy Group 1 Boarding on American Airlines flights*
  • New – No Foreign Transaction Fees on purchases.
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
  • Double AAdvantage miles on eligible American Airlines purchases
  • Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage miles each calendar year
  • The annual fee of $95 is waived for the first year
  • Will at Doctorofcredit reports that you may be able to get an extra $100 credit when you make a dummy booking on aa.com
  • Check this Flyertalk thread for working non-affiliate links.

Barclaycard Arrival Plus World Elite MasterCard

Pays me commission.

The sign-up bonus is 40,000 points after $3,000  in purchases in 90 days, first year annual fee is waived. That amount equals $400  that you can redeem toward travel-related purchases like airfare, cruise, hotels and car rentals.  It also gives a 5 percent rebate on the points you redeem. Minimum redemption for travel is 10,000 points, equivalent to $100.

I think this is an attractive offer and a good card for earning cash back as well. That’s because it gives 2 points per dollar in rebate toward travel purchases, an equivalent of  2 cents, and even more with the rebate. I don’t think it’s worth renewing, though, because the annual fee of $89 kicks in after the first year.

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days that’s enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 15.99% or 19.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers

Citi Prestige Card

Direct links for 50K points offer are dead. Let me know if you happen to find a working one.

  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre √®
  • Complimentary 4th Night for any hotel stay at hotels booked through Citi Prestige® Concierge
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for a $532 flight on any airline or $400 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases
  • The annual fee of $450 is not waived. However, you can get $250 calendar year credit, good towards airfare.
  • Read my post on this card and why it’s a good fit for a middle-class family.
  • This offer pays me commission.
  • Read this post on how you may be able to get this offer with $350 annual fee.

Chase Sapphire Preferred

If you are just starting out, it could make sense to get this bonus first. That’s because Chase has imposed restrictions on this offer, and will not approve those who got more than 5 cards (from any bank) within the last 24 months. See this post for more. This card pays me commission.

For a limited time:

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

See this post for my thoughts on whether this card is worth renewing and paying 95 dollar annual fee.

50,000 Ultimate Rewards can be converted to:

1) 500 dollars in statement credit or  625 dollars towards travel expenses.

2) 50,000 British Airways Avios miles.

3) 50,000 Southwest Rapid rewards, potentially good for 750 dollars or more in airfare.

There are other transfer partners, but those are my favorite currently.

Chase British Airways Visa Signature Card

  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
  • Annual fee of $95 is not waived.
  • This offer pays me commission.

The Avios miles can be incredibly useful for flights within USA, since you can redeem on American Airlines, their partner. The awards can be a tremendous deal for a family, since some require only 7,500 miles each way on short distance flights within USA and Canada. I have written about some good Avios uses  in my post HERE

Barclaycard Lufthansa Miles and More

Earn 20,000 award miles after your first purchase and payment of the annual fee, then an additional 30,000 award miles after you make $5,000 in purchases within the first 90 days.

Annual fee of $89 is not waived. Lufthansa miles can be redeemed on flights on United Airlines without fuel surcharges. It costs 12,000 miles one-way to fly within Continental USA. Non-affiliate application link

If you have applied for all the offers above, I have put a secondary list of bonuses HERE

If you are looking for cards with introductory 0% on balance  transfers and purchases  and not the bonus, CLICK HERE to see my post.

I also wrote a post where I assigned my personal value to different miles and points programs  HERE

If anyone is aware of a better offer, please let me know.

You may be able to refer your friends and get 5000 points for recommending Starwood American Express or Amex  Premier Gold. Check  your online Amex credit card profile to see if you qualify.

You can get 5,000 for referring your friends to apply for Chase Freedom or Chase Sapphire Preferred through this link.

You may also want to read this post for some ideas to meet minimum spending requirements. Don’t hesitate to email me with any additional questions.

Everything you read is  my opinion only, and I will not be held accountable for your choices.

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76 thoughts on “Best Credit Card Deals

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