Today’s Best Offers

Our list of the strongest card bonuses and perks on the market today.

Know the drill? Skip ahead >>

Let’s take a look at the best current offers—ranked in order of how I’d choose them.

Every card on this page is here for a reason: I (Katie) have personally vetted it and decided it’s worth your attention.

The stronger, more valuable offers are listed toward the top of each category—because if I were in your shoes, those are the ones I’d grab first. For each card, I keep it simple and give you three things:

  • Highlights–the perks and benefits that earned its spot on the list
  • My Take–my straightforward opinion on the card
  • Offer History–context so you can decide if you want to apply now or later

If you’re new here, I recommend heading over to my 3-Year Plan page; it walks through exactly which cards we recommend, why, and in what order to apply. All 3-Year Plan cards are highlighted in blue on this page, as well.

We love throwing in tons of detail—for free.

Here’s how we can provide it at no cost to you.

Everything I share—on the site, the podcast, and social media—is completely free for you. I know that can make people wonder if there’s a hidden catch or some kind of sales push. Here’s how it actually works: when you use my links to apply for a credit card, I may earn a commission. But I only share offers I truly think are the best available, even if I don’t earn anything from them (how else could you trust me?). Over time, it all balances out. So as long as you keep using those links when it makes sense for you, I can keep creating reliable content you can trust!

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The "More Affiliate Offers" button showcases card offers I'm not allowed to link directly on card names due to compliance rules.

Cards in This Post

Best Beginner Cards

My favorite cards to start with — the best overall picks for beginners. The points transfer to airlines and hotels, which keeps your options open as you learn what you like.

Check out my post on Picking Your First Card to see more and get some basic strategy tips. And make sure you understand the Chase 5/24 rule!

Personal Cards

Flexible Points Offers

These are the cards I reach for first for personal use — flexible-currency cards whose points transfer to dozens of airline and hotel partners. There's a lot of behind-the-scenes work in affiliate offers and one of the complications is that some cards I can earn a commission on but I can't link directly from the card names. I can link to card offers from Chase, American Express, and Capital One — but generally can't for other banks.

Highest Ever Offer - Ends 7/30, 9am EST
Chase Sapphire Preferred® Card
Learn How to Apply

Chase Sapphire Preferred® Card

Earns Ultimate Rewards Counts Toward 5/24 Keeper Card Part of 3-Year Plan
Annual Fee $95
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Up to $120 Global Entry / TSA PreCheck® / NEXUS Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry, TSA PreCheck® or NEXUS application fee.
  • $100 Annual Chase Travel℠ Hotel Credit Get up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.
  • One year of Apple TV Get one year of complimentary Apple TV after activation. Must activate by 12/31/2026. Or receive $7.50 per month off AppleOne bundle for 1 year.
  • Complimentary DashPass + $10 Monthly DoorDash Credit (Through Dec 31, 2027) Activate your complimentary DashPass subscription for $0 delivery fees on eligible DoorDash and Caviar orders. Plus, receive up to $10 in promo credits each month to use on non-restaurant DoorDash orders.
  • Comprehensive Travel & Purchase Protections Includes primary car rental coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, emergency evacuation coverage, lost luggage reimbursement, purchase protection, and travel and emergency assistance.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
100,000 PointsElevated $5,000 in 3 months Ended May 2025, Restarted June 17, 2026
75,000 Points $5,000 in 3 months Standard since June 23, 2025
60,000 Points + $300 Chase TravelElevated $4,000 in 3 months Sept - early Nov 2024
75,000 PointsElevated $4,000 in 3 months Early May - mid June 2024
80,000 PointsElevated $4,000 in 3 months Public online offer March 2023 - May 2023
80,000 PointsElevated $4,000 in 3 months Ended Fall 2022
100,000 PointsElevated $4,000 in 3 months Ended Fall 2021
60,000 Points $4,000 in 3 months Long-running historical standard (pre-June 2025)
Chase Sapphire Reserve®
Learn How to Apply

Chase Sapphire Reserve®

Earns Ultimate Rewards Counts Toward 5/24 Keeper Card
Annual Fee $795
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • $300 Annual Travel Credit Receive an automatic statement credit for travel purchases each cardmember anniversary year.
  • Up to $120 Global Entry / TSA PreCheck® / NEXUS Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry, TSA PreCheck® or NEXUS application fee.
  • Airport Lounge Access (Sapphire + Priority Pass + 2 Guests) Access to Sapphire Lounges and Priority Pass™ lounges for you and 2 guests. One of the few remaining premium cards offering 2 free guest entries — most competitors have curtailed this.
  • DashPass Subscription + $25/Month DoorDash Credit (Through Dec 31, 2027) Complimentary DashPass membership plus $25/month in DoorDash credits ($300/yr). Available through December 31, 2027.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
100,000 Points $6,000 in 3 months Current
60,000 Points Standard spend req Long-running historical standard (post-2016 launch)
100,000 PointsElevated Standard spend req Launch offer 2016
100,000 PointsElevated Standard spend req Ended 2019
80,000 PointsElevated Standard spend req Public online offer December 2022
75,000 Points Standard spend req Ended June 2024
100,000 Points + $500 Chase TravelElevated Standard spend req Relaunch offer July - late August 2025
125,000 PointsElevated $6,000 in 3 months August 2025 - April 2026
150,000 PointsElevated $6,000 in 3 months Ended June 15, 2026
American Express® Gold Card
Learn How to Apply

American Express® Gold Card

Earns Membership Rewards Counts Toward 5/24 Keeper Card
Annual Fee $325
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • $120 Uber Cash Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction.
  • $120 Dining Credit Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.
  • $100 Resy Credit Get up to $50 in statement credits semi-annually (One $50 credit from Jan 1-June 30, One $50 credit between July 1 - Dec 31) after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment required.
  • $84 Dunkin' Credit Earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
As high as 100,000 Points $8,000 in 6 months Present
As high as 100,000 Points $6,000 in 6 months Late 2025 - Spring 2026
90,000 Points (targeted/referral)Elevated $6,000 in 6 months 2024-2025
100,000 Points + $100 statement creditElevated $6,000 in 6 months Aug-Nov 2024 (limited time)
60,000 Points $6,000 in 6 months Standard public offer (pre-2025)

Airline Card Offers

My favorite personal airline cards for earning miles directly with a specific carrier. The top picks are loosely ordered the way I'd prioritize them, but it's not absolute — your best card depends on where you fly most.

Elevated Offer
card_name
Learn How to Apply
Non-Affiliate Offer

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Earns AAdvantage Miles Counts Toward 5/24
Annual Fee annual_fees
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Free First Checked Bag First checked bag free on domestic American Airlines itineraries for cardholder and up to 4 companions traveling on the same reservation.
  • Preferred Boarding on American Airlines Cardholder + companions on same reservation get preferred boarding (Group 5 — boards before non-elite economy passengers, ahead of general boarding).
  • Up to $180 in Turo Credits — $30 Per Trip × 6 Trips Max (Oct 19, 2025 - Oct 18, 2026) Limited-time (through Oct 18, 2026): Up to $180 in statement credits when paying for Turo with this card — $30 credit per eligible completed trip, up to 6 trips total. No minimum purchase requirement. Turo takes payment immediately so you can book trips well into the future before benefit expires. Card must be linked to Turo account. Note: Turo trips are NOT eligible for the card's auto rental coverage — get Turo's own insurance.
  • 25% Savings on AA Inflight Food and Beverages Receive 25% statement credit on AA inflight food and beverage purchases when paid with this card.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
80,000 AAdvantage MilesElevated $3,500 in 4 mo Periodic elevated offer
50,000 AAdvantage Miles $2,500 in 3 mo Standard offer
80,000 AAdvantage Miles + AF Waived First YearElevated $1,000 in 3 mo Limited-time Inflight offer; seen in March 2026 and June 2026
60,000 AAdvantage Miles (Page-Stated Standard) Standard spend Standard Offer
Elevated Offer
Atmos™ Rewards Summit Visa Infinite® Card
Learn How to Apply
Non-Affiliate Offer

Atmos™ Rewards Summit Visa Infinite® credit card

Earns Atmos Rewards Counts Toward 5/24
Annual Fee $395
Welcome Offer
100,000 bonus points and a 25,000-point Global Companion Award
100,000 bonus points and a 25,000-point Global Companion Award — after you spend $6,000 or more on purchases within the first 90 days

Highlights

The key benefits and earning rates at a glance.

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  • Annual 25,000-Point Global Companion Award Every year on your account anniversary, receive a Global 25K Companion Award, worth up to 25,000 points off a published award ticket. Can be topped off with additional points.
  • 8 Alaska Lounge Passes Annually Receive 8 Alaska Lounge passes annually (2 per calendar quarter) credited to the primary cardholder's Atmos™ Rewards account on January 1, April 1, July 1, and October 1. Each pass admits one adult and up to two accompanied children (under 21) for same-day access to all Alaska Lounge locations. Partner lounges not included. Passes do not roll over between quarters.
  • Up to $120 Global Entry / TSA PreCheck® Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry or TSA PreCheck® application fee.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
100,000 Points + 25,000 Global Companion AwardElevated $6,000 in 90 days Present
100,000 Points + 25,000 Global Companion AwardElevated Launch offer (Aug 2025)
80,000 Points $4,000 in 90 days Standard
Elevated Offer
Atmos™ Rewards Ascent Visa Signature® Credit Card
Learn How to Apply
Non-Affiliate Offer

Atmos™ Rewards Ascent Visa Signature® credit card

Earns Atmos Rewards Counts Toward 5/24
Annual Fee $95
Welcome Offer
85,000 bonus points
85,000 bonus points — $4,500 in 120 days

Highlights

The key benefits and earning rates at a glance.

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  • Companion Fare Get Alaska’s Famous Companion Fare™ ($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.
  • Priority Boarding Enjoy priority boarding for you and up to 6 guests on the same reservation.
  • Free Checked Bag Free checked bag for you and up to 6 guests on the same reservation.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
40,000-70,000 miles $4,000 in 3 months Historical offers
United℠ Explorer Card
Learn How to Apply

United℠ Explorer Card

Earns MileagePlus Miles Counts Toward 5/24
Annual Fee $0 intro annual fee for the first year, then $150
Welcome Offer
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Alternate Offer (HIGHER OFFER up to 75k): Requires a flight attendant code + adding an authorized user to earn the full bonus. Email nicole@katiestraveltricks.com for a flight attendant code for this offer!

All information about this card has been collected independently by Katie’s Travel Tricks.

Highlights

The key benefits and earning rates at a glance.

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  • 10% Off Award Flights Booked With Miles Save 10% or more on flights booked with United miles
  • Free First Checked Bag (Cardholder + 1 Companion) Your first checked bag is free for you and one companion on United-operated flights.
  • 2 United Club℠ One-Time Passes Annually 2 one-time United Club passes per year (anniversary), usable by primary cardholder, authorized users, or guests traveling with them.
  • Priority Boarding Cardholder + companions on the same reservation board United-operated flights prior to general boarding.
  • Up to $120 Global Entry / TSA PreCheck® / NEXUS Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry, TSA PreCheck® or NEXUS application fee.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
50,000 Miles $3,000 in 3 months Standard offer
40,000-60,000 Miles $2,000-$3,000 in 3 months Earlier 2020s offers
80,000 Miles + 5K w/ Promo CodeElevated $3,000 in 3 months Ran March 2025
85,000 MilesElevated $3,000 in 3 months Best-ever; ran summer 2025 (80K + 5K with promo code)
Air France KLM Visa Signature®
Learn How to Apply
Non-Affiliate Offer

Air France KLM Visa Signature®

Earns Flying Blue Miles Counts Toward 5/24
Annual Fee $89
Welcome Offer
Up to 100,000 miles
Earn 70,000 Bonus Miles + 100 Experience Points (XP) after you make $3,000 or more in purchases within the first 90 days of your account opening. Plus, earn additional 30,000 Bonus Miles after you make $7,500 or more in purchases within the first six months (180 days) of account opening.

Highlights

The key benefits and earning rates at a glance.

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  • 5,000 Anniversary Bonus Miles 5,000 Miles every year on your account anniversary after you spend $50 or more on purchases within the anniversary year.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
70,000 MilesElevated $2,000 in 90 days Present
70,000 Miles + 100 XPElevated $3,000 in 90 days
50,000 Miles Standard spend req Briefly early 2025
70,000 MilesElevated Standard spend req Most of 2023 and 2024

Hotel Card Offers

Best personal hotel cards right now.

Elevated Offer
card_name
Learn How to Apply

The World of Hyatt Credit Card

Earns World of Hyatt Counts Toward 5/24 Keeper Card Part of 3-Year Plan
Annual Fee annual_fees
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Annual Free Night at Category 1-4 Hyatt (Cardmember Anniversary) Receive one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary.
  • Bonus Free Night at Category 1-4 Hyatt After $15,000 Calendar Year Spend Earn an additional Cat 1-4 free night certificate after spending $15,000 on the card in a calendar year.
  • World of Hyatt Discoverist Status (For Life of Account) Automatic Discoverist status for as long as your account is open. Benefits include: late checkout (when available), preferred rooms, premium internet, 10% bonus on base points earned, waived resort fees on award stays.
  • Annual Elite Night Credits Receive 5 Elite Qualifying Night credits each year toward your next World of Hyatt status tier. Plus earn 2 additional credits every time you spend $5,000 on the card.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
Up to 60,000 Bonus Points (30K + up to 30K via 2x)Elevated $3,000 in 3 months + 2x on $15K in 6 months Ended Spring 2026
5 Cat 1-4 Free Night Awards (3 + 2 Tier)Elevated $5K + $15K total in 6 months Best-ever offer ran early 2026, ended Feb 2026
65,000 Bonus PointsElevated Standard spend req Highest bonus-points offer since 2024
35,000 Bonus Points $3,000 in 3 months Small jump in January 2025
30,000 Bonus Points $3,000 in 3 months Long-running standard offer
25,000 Bonus Points $3,000 in 3 months Decreased July 2025
Elevated Offer - Ending Soon
Marriott Bonvoy Boundless® Credit Card
Learn How to Apply

Marriott Bonvoy Boundless® Credit Card

Earns Marriott Bonvoy Counts Toward 5/24 Keeper Card
Annual Fee $95
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Annual Free Night Award 1 Free Night Award each year after your card account anniversary, valid at properties costing up to 35,000 points per night. Can be 'topped up' with up to 25,000 additional points from your Bonvoy account, allowing redemptions at properties costing up to 60,000 points per night.
  • Automatic Marriott Bonvoy® Silver Elite Status Automatic Silver Elite status as long as the account is open. Benefits include 10% bonus on base points (1x extra at Marriott), late checkout (subject to availability), and exclusive Member Rates.
  • 15 Elite Night Credits Annually + 1 Elite Night Credit Per $5K Spent 15 Elite Night Credits each calendar year automatically toward next status tier. Plus 1 Elite Night Credit per $5,000 spent.
  • Up to $100 Airline Statement Credits ($50 Biannually) Earn up to $100 in airline statement credits each year through 6/30/2027 — a $50 credit after spending $250 on eligible airline purchases in the first half of the year, and another $50 after spending $250 in the second half. Eligible spending includes base fares, seat selection, checked bags, and in-flight purchases charged directly by the airline. No enrollment required.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
125,000 Bonus Points + 1 Free Night AwardElevated $3,000 in 3 months Current as of June 2026
Up to 4 Free Nights (3 + 1 additional after $4K) + $100 Airline CreditElevated $3,000 in 3 mo + $4,000 total in 4 mo Launched March 12, 2026
5 Free Night Awards (Up to 50K Points Each)Elevated $3,000 in 3 mo Best-ever; ENDED March 11, 2026
125,000 Bonus Points + 1 Free Night AwardElevated Standard spend ENDED November 2025
3 Free Night Awards (Up to 50K Each) $3,000 in 3 mo Previous standard offer
75,000 Bonus Points Standard spend Standard baseline offer
Last Chance for this Elevated Offer
Hilton Honors American Express Aspire Card
Learn How to Apply

Hilton Honors American Express Aspire Card

Earns Hilton Honors Counts Toward 5/24
Annual Fee $550
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Annual Free Night Award Receive one free night at any Hilton property worldwide each year. You'll get one soon after opening the card and then every year upon Card renewal.
  • $400 Hilton Resort Credit Earn up to $200 in statement credits twice per year for eligible Hilton purchases each year ($200 semi-annually).
  • $200 Airline Credits Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with airlines or via AmexTravel.com or the Amex Travel App™.
  • $209 Clear+ Credit You can receive up to $209 in statement credits per calendar year after you sign up and pay for a Clear+ Membership (subject to auto-renewal).
  • Hilton Honors™ Diamond Status Complimentary Hilton Honors™ Diamond Status.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
175,000 PointsElevated $6,000 in 6 months Current as of June 2026; offer ends 7/29/26
150,000 Points $6,000 in 6 months Standard offer
175,000 PointsElevated $6,000 in 6 months Recurring elevated (last: 1/14/26 + earlier exp.)
180,000 PointsElevated $6,000 in 6 months Historical high

Business Cards

Flexible Points Offers

Business cards typically don't count toward Chase's 5/24 — which makes them the workhorses of any serious points strategy. These are my favorite business cards for earning flexible, transferable points.

Highest Ever Offer!
Ink Business Unlimited® Credit Card
Learn How to Apply

Ink Business Unlimited® Credit Card

Earns Ultimate Rewards Part of 3-Year Plan
Annual Fee $0
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Complimentary 3-Month Instacart+ Membership + $20/Month Instacart Credit (Through Dec 31, 2027) 3 months of complimentary Instacart+ membership ($99/year value) plus $20 in Instacart credits each month when you have Instacart+ through December 31, 2027.
  • Move Cash Back into Ultimate Rewards Points Cash back is technically Chase Ultimate Rewards points ($1 cash back = 100 UR points). When paired with a Chase Sapphire (Preferred, Reserve, or Reserve Business) or Ink Business Preferred, you can combine points for transfers to 14+ airline and hotel partners — including World of Hyatt, United, Air Canada Aeroplan, Southwest, JetBlue, and more.
  • 0% Intro APR on Purchases (12 Months) 0% intro APR on purchases for 12 months from account opening. After that, a variable APR applies

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
$750 Cash Back $6,000 in 3 months Standard (current as of May 1, 2026)
$900 Cash BackElevated $6,000 in 3 months Best-ever; ran September 12 - November 13, 2025
$900 Cash BackElevated $6,000 in 3 months Fall 2024 (mid-September to early November)
$900 Cash BackElevated $6,000 in 3 months Returned September 2023 - mid-January 2024
$900 Cash BackElevated $6,000 in 3 months Fall 2022
$750 Cash Back $7,500 in 3 months Pandemic-era offer
$500 Cash Back $3,000 in 3 months Long-running historical standard
Highest Ever Offer!
Ink Business Cash® Credit Card
Learn How to Apply

Ink Business Cash® Credit Card

Earns Ultimate Rewards Part of 3-Year Plan
Annual Fee $0
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Complimentary 3-Month Instacart+ Membership + $20/Month Instacart Credit (Through Dec 31, 2027) 3 months of complimentary Instacart+ membership plus $20 in Instacart credits each month through December 31, 2027 while you have Instacart+.
  • Move Cash Back into Ultimate Rewards Points Cash back is technically Chase Ultimate Rewards points ($1 cash back = 100 UR points). When paired with a Chase Sapphire (Preferred, Reserve, or Reserve Business) or Ink Business Preferred, you can combine points for transfers to 14+ airline and hotel partners — including World of Hyatt, United, Air Canada Aeroplan, Southwest, JetBlue, and more.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
$750 Cash Back $6,000 in 3 months Standard (current as of May 1, 2026)
$900 Cash BackElevated $6,000 in 3 months Best-ever; ran September 12 - November 13, 2025
$900 Cash BackElevated $6,000 in 3 months Returned September 2023 - mid-January 2024
$900 Cash BackElevated $6,000 in 3 months Fall 2022
$750 Cash Back $7,500 in 3 months Pandemic-era offer
$500 Cash Back $3,000 in 3 months Long-running historical standard
Elevated Offer
Chase Sapphire Reserve® for Business
Learn How to Apply

Sapphire Reserve for Business℠

Earns Ultimate Rewards
Annual Fee $795
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • $300 Annual Travel Credit $300 in statement credits each anniversary year on travel purchases. Automatically applied.
  • Up to $120 Global Entry / TSA PreCheck® / NEXUS Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry, TSA PreCheck® or NEXUS application fee.
  • Lounge Access (Sapphire + Priority Pass + 2 Guests) Access to the Chase Sapphire Lounge® and Priority Pass lounges, with 2 guests included.
  • DashPass + $25/Month DoorDash Credits (Through Dec 31, 2027) $25 per month total in DoorDash credits ($300/yr) plus complimentary DashPass membership. Activate by December 31, 2027.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
200,000 PointsElevated $30,000 in 6 months Launch offer ended January 22, 2026, Restarted June 2026
150,000 Points $20,000 in 3 months Standard (since Jan 22, 2026)
Ink Business Preferred® Credit Card
Learn How to Apply

Ink Business Preferred® Credit Card

Earns Ultimate Rewards Part of 3-Year Plan
Annual Fee $95
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Cell Phone Protection (Up to $1,000/Claim) Get up to $1,000 per claim in cell phone protection against covered theft or damage when you pay your monthly cell phone bill with the card. Maximum 3 claims per year, $100 deductible per claim.
  • Complimentary DashPass + $10/Month DoorDash Grocery Credit (Through Dec 31, 2027) Complimentary access to DashPass by DoorDash for a minimum of one year (activate by 12/31/2027). Includes $0 delivery fees and reduced service fees. Plus, $10/month statement credit on DoorDash grocery and retail orders.
  • Auto Rental Collision Damage Waiver (PRIMARY for Business Rentals) Primary auto rental collision damage waiver coverage for business rentals. Charge the entire rental cost to your card and decline the rental company's CDW.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
100,000 Bonus Points (ELEVATED)Elevated $8,000 in 3 months Current ELEVATED offer; available online since early January 2026
80,000 Bonus Points $8,000 in 3 months Standard baseline offer
90,000 Bonus Points $8,000 in 3 months Standard offer for most of 2025
100,000 Bonus Points (Older) $15,000 in 3 months Older offer with higher spend requirement
120,000 Bonus Points (BEST-EVER)Elevated $8,000 in 3 months Best-ever; ran July - early September 2024
Capital One Venture Business
Learn How to Apply

Capital One Venture Business

Earns Capital One Miles Keeper Card
Annual Fee $95
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • $50 Annual Capital One Business Travel Credit Receive an annual $50 statement credit for bookings through Capital One Business Travel.
  • $50 Annual Software/Advertising Statement Credit Receive up to $50 in statement credits annually for purchases at qualifying advertising or software merchants.
  • Up to $120 Global Entry / TSA PreCheck® Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry or TSA PreCheck® application fee.
  • Redeem Miles for Any Travel Purchase Redeem your miles instantly for any travel-related purchases — from flights and hotels to ride-sharing services. No portal restrictions.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
100,000 Miles $10,000 in 3 months Current
50,000 Miles Unknown Steady offer when called Spark Miles
Up to 150,000 Miles (75K + 75K tiered)Elevated $7,500 in 3 months, then $30,000 total in 6 months Ended June 2026
Elevated Offer
Capital One Spark Cash Plus
Learn How to Apply

Capital One Spark Cash Plus

Earns Capital One Miles Counts Toward 5/24
Annual Fee $150
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Combine Cash Back with Capital One Venture Cash back earned on this card can be combined with points on a Capital One Venture or Venture X card and converted to transferable miles for travel redemptions. $1,500 cash back becomes 150,000 Venture miles.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
$2,000 Cash Back + $2,000 per $500K spent in year 1Elevated $30,000 in 3 months Ended July 14, 2026
$1,200 Cash Back $30,000 in 3 months Previous offer
Previous tiered offers Up to $50,000 in spend Earlier offers required higher spend
Elevated Offer
Capital One Spark Cash
Learn How to Apply

Capital One Spark Cash

Earns Cash Back Counts Toward 5/24
Annual Fee $0 intro for first year; $95 after that
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Combine Cash Back with Capital One Venture Cash back earned on this card can be combined with points on a Capital One Venture or Venture X card and converted to transferable miles for travel redemptions. $1,500 cash back becomes 150,000 Venture miles.

Offer History

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Offer Spend Req. Date
$1,000 Cash Back $10,000 in 3 months Present
$1,500 Cash BackElevated $15,000 in 3 months Ended August 2025
$750 Cash Back $7,500 in 3 months Previous standard offer
Capital One Venture X Business
Learn How to Apply

Capital One Venture X Business

Earns Capital One Miles Keeper Card
Annual Fee $395
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • $300 Annual Capital One Business Travel Credit Receive an annual $300 credit for bookings through Capital One Business Travel. Credit applies automatically at checkout when booking eligible flights, hotels, or rental cars.
  • 10,000 Bonus Miles Each Anniversary Every year on your account anniversary, you'll get 10,000 bonus miles (worth at minimum $100 in travel).
  • Priority Pass + Capital One Lounge Access (Primary Cardholder Only) Complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass membership. Authorized users do not get lounge access for free — you'd need to pay a $125 fee for them to have lounge access.
  • Up to $120 Global Entry / TSA PreCheck® Statement Credit Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry or TSA PreCheck® application fee.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
150,000 Miles $30,000 in 3 months Present
150,000 Miles $30,000 in 3 months Launch offer (Fall 2023)
150,000 Miles (with option to earn more)Elevated $20,000 in 3 months Briefly lower spend req
150,000 Miles $30,000 in 3 months Standard since March 2024
400,000 Miles (200K + 200K tiered)Elevated $30,000 in 3 months, then $150,000 total in 6 months Ended January 20, 2026 (highest ever)
American Express® Business Gold Card
Learn How to Apply

American Express® Business Gold Card

Earns Membership Rewards
Annual Fee $375
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • $240 Flexible Business Credit Up to $20 in monthly statement credits after you use your Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required. FedEx ends 10/1/26
  • $155 Walmart+ Credit Statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • $150 Squarespace Annual Credit Get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card. Enrollment required.
  • Up to $300 ChatGPT Business Credit Earn up to $300 in statement credits per calendar year when you use your Business Gold Card for ChatGPT Business in the U.S. Subject to auto-renewal. Enrollment required.

Offer History

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Offer Spend Req. Date
As high as 200,000 Points $15,000 in 3 months 2025 - Present
100,000 Points $15,000 in 3 months Standard public offer (recurring)
175,000 PointsElevated $15,000 in 3 months Sept 2024 (link-targeted)
200,000 PointsElevated $15,000 in 3 months July 2024 (link-targeted high)
The Business Platinum Card® from American Express
Learn How to Apply

The Business Platinum Card® from American Express

Earns Membership Rewards
Annual Fee $895
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Up to $1,150 Dell Credit Enroll and get up to $150 in statement credits on U.S. purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • $200 Airline Fee Credit Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals. Enrollment required.
  • $209 Clear+ Credit Get up to $209 back per calendar year on your Clear+ Membership (subject to auto-renewal).
  • $600 Hotel Credit (Fine Hotels + Resorts / Hotel Collection) Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $120 Wireless Credit Up to $10 in monthly statement credits on U.S. wireless service charges on the Business Platinum Card. Total of $120 per calendar year.
  • American Express Global Lounge Collection® Access With complimentary access to more than 1,550 airport lounges across 140 countries and counting, including Centurion® Lounges, Priority Pass™ Select, Delta Sky Club® (when flying Delta), and more.
  • Up to $120 Global Entry or $85 TSA PreCheck® Statement Credit Statement credit every 4 years for either up to $85 for the TSA PreCheck® application fee or up to $120 for the Global Entry application fee.
  • Up to $300 ChatGPT Business Credit Enroll to earn up to $300 in statement credits per calendar year when you use your Business Platinum Card for ChatGPT Business in the U.S. Subject to auto-renewal.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
As high as 300,000 PointsElevated $20,000 in 3 months Present (targeted, 'as high as'; April 2026)
80,000 Points Standard spend req Historical low
250,000 PointsElevated $20,000 in 3 months Recent targeted

Airline Card Offers

My favorite business offers for earning airline miles right now. These are loosely in the order I would personally prioritize them but this is not absolute! There are many reasons someone might prefer a United card over an American Airlines card, or go for a Delta card first.

There's a lot of behind the scenes for affiliate offers and one of the complications is that some cards I can earn an affiliate commission on but I can't link to these offers directly from the card names. I can link to card offers from Chase, American Express, and Capital One — but generally can't for other banks.

Limited Time Online Offer
Atmos™ Rewards Visa Signature® Business Card
Learn How to Apply
Non-Affiliate Offer

Atmos™ Rewards Visa Signature® Business Card

Earns Atmos Rewards
Annual Fee $70 for the company and $25 per card
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Alaska's Companion Fare™ ($99 + taxes/fees from $23) Earn Alaska's Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
  • Priority Boarding (You + 6 Guests) Priority boarding for you and up to 6 guests on the same reservation.
  • Free Checked Bag (You + 6 Guests) Free checked bag for you and up to 6 guests on the same reservation.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
80,000 Points + $99 Companion FareElevated $5,000 in 90 days Present
40,000+ Miles Standard spend req Typical fluctuation range on previous Alaska Mileage Plan version
75,000 MilesElevated Standard spend req Best previous offer on Alaska Mileage Plan version
80,000 PointsElevated Standard spend req Launch offer (Aug 2025)
Offer Extended
United℠ Business Card
Learn How to Apply

United℠ Business Card

Earns MileagePlus Miles
Annual Fee $150
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • 5,000-Mile 'Better Together' Anniversary Bonus (with Personal United Card) Receive a 5,000-mile anniversary bonus each year when you hold both this card and a personal Chase United credit card.
  • 2 United Club℠ One-Time Passes Annually 2 one-time United Club passes per year, usable by primary cardholder, authorized users, or guests traveling with them.
  • Free First Checked Bag Free first checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card.
  • Up to $100 JSX Credit (Annual) Up to $100 in statement credits each anniversary year for JSX flights (semi-private aviation) booked directly with your card.
  • Up to $50 Avis/Budget TravelBank Cash $25 TravelBank cash on first 2 Avis or Budget rentals booked through cars.united.com each year (up to $50 total annually).
  • Up to $25 FareLock Credit (Annual) Up to $25 statement credit each anniversary year when you purchase FareLock on a United or United Express-operated flight.
  • 25% Back on Inflight Food, Beverages & WiFi Earn 25% back as a statement credit on inflight purchases of food, beverages, and Wi-Fi on United-operated flights, plus on Club premium drinks.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
Up to 110,000 MilesElevated $5,000 in 3 months + add employee card Current limited-time elevated
150,000 Miles (75K + 75K Tier)Elevated $5,000 in 3 months + $20K total in 6 months Best-ever; 2024-2025
125,000-135,000 Miles (with promo code/auth user)Elevated $5,000 in 3 months Ended June 2025
100,000 MilesElevated $5,000 in 3 months Ended April 2024
75,000 Miles $5,000 in 3 months Long-running historical standard offer
50,000 Miles $5,000 in 3 months Lower historical offer
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Learn How to Apply
Non-Affiliate Offer

Citi® / AAdvantage Business™ World Elite Mastercard®

Earns AAdvantage Miles
Annual Fee annual_fees
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Free First Checked Bag First checked bag is free on domestic American Airlines itineraries for the cardholder and up to 4 companions traveling on the same reservation.
  • Preferred Group 5 Boarding on American Airlines Cardholder + up to 4 companions on same reservation get Preferred Group 5 boarding.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
65,000 AAdvantage Miles $4,000 in 4 mo Current + standard offer
75,000 AAdvantage Miles (Past)Elevated $6,000 in 6 mo Past elevated; ended June 2024 and January 2025 (different terms than March 2026 75K — was $6K/6mo, now $5K/5mo)
75,000 AAdvantage Miles + AF Waived First YearElevated $5,000 in 5 mo Ended May 2026

Hotel Card Offers

Hotel-branded business cards earn fast at the specific chain and often come with elite-status perks worth their annual fee. My current favorite:

Elevated Offer
World of Hyatt Business Credit Card
Learn How to Apply

World of Hyatt Business Credit Card

Earns World of Hyatt
Annual Fee $199
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Up to $100 in Annual Hyatt Statement Credits Spend $50 or more at any Hyatt property and earn $50 statement credit, up to two times each anniversary year (up to $100 total).
  • 5 Tier-Qualifying Night Credits Per $10,000 Spent Earn 5 Tier-Qualifying Night credits toward World of Hyatt status (and Milestone rewards) for every $10,000 spent in a calendar year.
  • World of Hyatt Discoverist Status — for Cardholder + 5 Employees Cardholder gets automatic Discoverist status for as long as the account is open. PLUS, gift Discoverist status to up to FIVE employees. The benefits aren't huge but you will get later check out and free breakfast at all Hyatt Places (since some are restrictive now)
  • 10% Points Redemption Bonus After $50,000 Calendar Year Spend After spending $50,000 in a calendar year, receive 10% of redeemed Hyatt points back as a bonus for the rest of the year. Capped at 20,000 points back per year (so applies to first 200,000 points redeemed).

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
70,000 Bonus PointsElevated $7,000 in 3 months
80,000 Bonus PointsElevated $10,000 in 3 months Best-ever; ENDED April 30, 2026 9 AM EST
60,000 Bonus Points $5,000 in 3 months Standard offer baseline
75,000 Bonus PointsElevated $7,500 in 3 months Recurring elevated structure
60,000 + Explorist Status thru 2/28/26Elevated $7,000 in 3 months Ended June 30, 2025
60,000 + Free Night Cat 1-4Elevated $20,000 spend Ran early 2025
75,000 (60K + 15K Tier)Elevated $5K + additional $12K total Fall 2024 elevated offer
75,000 (60K + 15K Tier)Elevated $5K + additional $12K total Fall 2023 elevated offer
75,000 + Double Elite Night CreditsElevated Standard spend req Fall 2021 + Fall 2022 launch-era elevated offers
75,000 Bonus PointsElevated $10,000 in 3 months Card launch offer late 2021

Cash Back Offers

When you want a simple, reliable return on business spend without juggling category bonuses or transfer partners, cash-back business cards do the job. These are my picks for predictable, no-drama earning.

U.S. Bank Triple Cash Rewards Visa® Business Card
Learn How to Apply
Non-Affiliate Offer

U.S. Bank Triple Cash Rewards Visa® Business Card

Earns Cash Back
Annual Fee $0
Welcome Offer
$750 Cash Back
Earn $750 in cash back after spending $6,000 on the Account Owner's card in the first 180 days of opening your account. Note: 180-day spend timeline is longer than typical 90-day welcome offers. Standard offer is $500 cash back; $750 is an elevated/limited-time offer.

Highlights

The key benefits and earning rates at a glance.

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  • $100 Annual Statement Credit for Recurring Software Subscriptions (FreshBooks, QuickBooks, etc.) $100 statement credit annually for recurring software subscription expenses such as FreshBooks or QuickBooks. The credit isn't immediate — you'll need to make 12 consecutive monthly payments (a full year) before you receive it.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
$750 Cash BackElevated $6,000 in 180 days Current elevated public offer (May 2026)
$500 Cash Back Standard spend Standard offer; baseline returned to between elevated periods
U.S. Bank Business Altitude® Connect Visa Signature® Card
Learn How to Apply
Non-Affiliate Offer

U.S. Bank Business Altitude® Connect Visa Signature® Card

Earns U.S. Bank Altitude
Annual Fee 0 intro, then 95
Welcome Offer
75,000 Points
Earn 75,000 bonus points (worth $750 as a deposit into an eligible account or toward travel) after $6,000 in purchases on the account owner's card within the first 180 days. Annual fee waived the first year, then $95.

Highlights

The key benefits and earning rates at a glance.

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  • 4 Priority Pass™ Visits Per Year (Includes Restaurants) 4 complimentary Priority Pass visits per year, including Priority Pass restaurants.

Offer History

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Offer Spend Req. Date
75,000 Points $6,000 in 180 days (account owner spend only) May 2026 - Present
Business Advantage Unlimited Cash Rewards Mastercard®
Learn How to Apply
Non-Affiliate Offer

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Earns Cash Back
Annual Fee $0.00
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • Preferred Rewards for Business Bonus (25%–75% Cash Back Boost) Bank of America Preferred Rewards for Business members earn a 25% (Gold), 50% (Platinum), or 75% (Platinum Honors) bonus on cash back rewards. With Platinum Honors, the flat 1.5% effective rate climbs to 2.62% on every purchase. Requires an active BoA business checking account plus qualifying balances across BoA business deposit and Merrill business investment accounts.
  • Business Travel & Purchase Protections Includes $100,000 in travel accident insurance, auto rental insurance (collision damage waiver), emergency ticket replacement, lost-luggage assistance, and legal/medical referrals when traveling. Plus standard Mastercard purchase protections.

Offer History

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Offer Spend Req. Date
$500 Cash Back $5,000 in 90 days Present (stable standard offer, April 2026)

Community Referral Offers

These offers come from generous members of the Katie's Travel Tricks community who've shared a referral link. When you apply through one of these, you get the standard welcome offer and the referring community member earns a small thank-you bonus. No affiliate commission on these — they're purely community-driven.

Disney® Inspire Visa® Card
Learn How to Apply

All information about this card has been collected independently by Katie's Travel Tricks.

Community Referral

Disney® Inspire Visa® Card

Earns Disney Rewards Counts Toward 5/24
Annual Fee $149
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • 200 Disney Rewards Dollars After $2,000 Disney Resort/Cruise Spend Earn 200 Disney Rewards Dollars (worth $200) after spending $2,000 per anniversary year at Disney Resorts in the U.S. and Disney Cruise Line bookings using the card.
  • $100 Statement Credit After $200 Disney Theme Park Tickets Earn a $100 statement credit after spending $200 per anniversary year on U.S. Disney Theme Park Tickets purchased directly with Disney using the card.
  • $120 Annual Disney+/Hulu/ESPN+ Credits ($10/Month) Earn up to $10 in monthly statement credits when spending $10 or more per month on qualifying subscriptions or add-on purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com. Yearly activation required. Up to $120/year total.
  • Pay Yourself Back for Airline Purchases (Disney Rewards Dollars) Redeem Disney Rewards Dollars for a statement credit toward airline purchases made directly with the airline using this card. Works with any destination, any airline, no block-out dates.

Offer History

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Offer Spend Req. Date
$300 Disney Gift Card eGift + $200 Statement Credit $1,000 in 3 months Current
$300 Disney Gift Card eGift + $300 Statement CreditElevated $1,000 in 3 months February 3, 2026 - May 4, 2026
Disney® Premier Visa®
Learn How to Apply

All information about this card has been collected independently by Katie's Travel Tricks.

Community Referral

Disney® Premier Visa® Card

Earns Disney Rewards Counts Toward 5/24
Annual Fee $49
Welcome Offer
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Highlights

The key benefits and earning rates at a glance.

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  • 10% Off Select Disney Merchandise + Dining at Disney Parks 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort. (Note: many purchases are excluded.)
  • 10% Off Select Purchases at DisneyStore.com Save 10% on select purchases at DisneyStore.com when paying with the card.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
$200 Disney Gift Card eGift + $100 Statement CreditElevated $500 in 3 months Current
$300 Statement Credit Standard spend req Standard since 2021
$400 Statement CreditElevated Standard spend req Brief elevated end of 2023
$400 Statement CreditElevated Standard spend req Elevated since May 2025
$400 Statement CreditElevated $1,000 in 3 months Current
American Express® Green Card
Learn How to Apply

All information about this card has been collected independently by Katie's Travel Tricks.

Community Referral

American Express® Green Card

Earns Membership Rewards Counts Toward 5/24
Annual Fee $150
Welcome Offer
40,000 Points
40,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership.

Highlights

The key benefits and earning rates at a glance.

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  • $219 Clear+ Credit Receive up to $219 per calendar year in statement credits when you pay for your Clear+ membership (subject to auto-renewal) with the American Express® Green Card.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
40,000 Points $3,000 in 6 months Present (current public offer)
60,000 Points + 20% back on travel/transit (up to $200)Elevated $3,000 in 6 months May - Aug 2023 (highest ever)
45,000 Points $3,000 in 6 months Standard variation (recurring)