Today’s Best Offers
Our list of the strongest card bonuses and perks on the market today.
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:
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!
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
- Personal Cards
- Business Cards
- Flexible Points Offers
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
- Chase Sapphire Reserve® for Business
- Ink Business Preferred® Credit Card
- Capital One Venture Business
- Capital One Spark Cash Plus
- Capital One Venture X Business
- American Express® Business Gold Card
- The Business Platinum Card® from American Express
- Airline Card Offers
- Hotel Card Offers
- Cash Back Offers
- Flexible Points Offers
- Community Referral Offers
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.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
THE top beginner card I recommend for miles & points. The travel protections it provides are top tier, too!
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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$120 Trusted Traveler Credit Fee credit for Global Entry, TSA PreCheck®, or NEXUS application every 4 years.
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$100 Annual Chase Travel℠ Hotel Credit Get up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.
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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.
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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. Potential value: ~$240/year.
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Comprehensive Travel & Purchase Protections Includes primary car rental coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, travel accident insurance, 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 60,000 Points | Standard spend req | Long-running historical standard (pre-June 2025) |
| 100,000 PointsElevated | Standard spend req | Ended Fall 2021 |
| 80,000 PointsElevated | Standard spend req | Ended Fall 2022 |
| 80,000 PointsElevated | Standard spend req | Public online offer March 2023 - May 2023 |
| 75,000 PointsElevated | Standard spend req | Early May - mid June 2024 |
| 60,000 Points + $300 Chase TravelElevated | Standard spend req | Sept - early Nov 2024 |
| 100,000 PointsElevated | Standard spend req | Ended May 2025 |
| 75,000 Points | $5,000 in 3 months | Standard since June 23, 2025 |
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
High annual fee but if you can use at least some of the coupons on this card, you can come out ahead and have some great perks. I personally really like this card but it does take work to manage.
Highlights
The key benefits and earning rates at a glance.
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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.
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$120 Trusted Traveler Credit Fee credit for Global Entry or TSA PreCheck® application every 4 years.
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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.
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DashPass Subscription + $25/Month DoorDash Credit (Through Dec 31, 2027) Complimentary DashPass membership ($120/yr value) plus $25/month in DoorDash credits ($300/yr) — up to ~$420/yr total value. Available through December 31, 2027.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 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 | Standard August 2025 - April 2026 |
| 150,000 PointsElevated | $6,000 in 3 months | Ended June 15, 2026 |
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Strong earning and good transfer partners, but you'll need to actually use the small credits to justify the higher annual fee.
Highlights
The key benefits and earning rates at a glance.
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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.
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$120 Dining Credit Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at select restaurants. Enrollment required.
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$100 Resy Credit Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
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$84 Dunkin' Credit With the $84 Dunkin' Credit, you can 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| As high as 100,000 PointsCurrent | $8,000 in 6 months | Present |
| 60,000 Points | $6,000 in 6 months | Standard public offer (pre-2025) |
| 100,000 Points + $100 statement creditElevated | $6,000 in 6 months | Aug-Nov 2024 (limited time) |
| 90,000 Points (targeted/referral)Elevated | $6,000 in 6 months | 2024-2025 |
| As high as 100,000 Points | $6,000 in 6 months | Late 2025 - Spring 2026 |
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.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Not necessarily a long term keeper but a great one to earn some valuable AA miles.
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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Free First Checked Bag for Cardholder + Up to 4 Companions on Same Reservation First checked bag free on domestic American Airlines itineraries for cardholder and up to 4 companions traveling on the same reservation. AA charges $30 first checked bag each way, so two round trips with companions can cover the $99 AF.
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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). Useful for overhead bin space.
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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.
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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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 80,000 AAdvantage Miles + AF Waived First YearCurrentElevated | $1,000 in 3 mo | Limited-time inflight offer; matches highest ever; was expiring March 31, 2026 |
| 60,000 AAdvantage Miles (Page-Stated Standard) | Standard spend | Standard Offer |
| 80,000 AAdvantage MilesElevated | $3,500 in 4 mo | Periodic elevated offer; matches highest ever |
| 50,000 AAdvantage Miles | $2,500 in 3 mo | Standard offer |
Southwest Rapid Rewards® Priority Credit Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Highest annual fee for a Southwest personal card but gives you peace of mind by being able to confirm your seats (for free) right when you book, even if you book Basic fares.
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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Preferred Seat Selection at Booking + Extra Legroom Upgrades 48hr Before Departure Select a Preferred seat at booking, when available, for cardholder + up to 8 passengers on same reservation. Plus, free upgrade to Extra Legroom seat within 48 hours prior to departure when available.
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First Checked Bag Free for Cardholder + 8 Passengers First checked bag free for cardmember and up to 8 additional passengers in the same reservation.
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7,500 Bonus Points on Each Cardholder Anniversary Receive 7,500 Rapid Rewards bonus points each cardmember anniversary year. Worth approximately $105. NOTE: Priority is the only personal Southwest card without an anniversary coupon — Plus + Premier include a 10%/15% promo code each year that the Priority lacks.
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25% Back on Southwest Inflight Purchases Earn 25% back as statement credits on Southwest inflight purchases of drinks.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 90,000 Bonus PointsCurrentElevated | $3,000 in 3 months | Current as of June 2026 |
| 100,000 Bonus PointsElevated | Standard spend req | Elevated; ended September 2025 |
| 85,000 Bonus PointsElevated | $3,000 in 3 months | Elevated; ended December 2025 |
| 40,000 Points + Promotional Companion PassElevated | Standard spend req | Ended March 19, 2026 |
| 60,000 Bonus Points | $2,000 in 3 months | Standard (as of May 1, 2026) |
Atmos™ Rewards Summit Visa Infinite® Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Targeted at frequent Alaska and Hawaiian flyers but worth crunching the numbers before keeping past year one given the higher $395 annual fee.
Highlights
The key benefits and earning rates at a glance.
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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.
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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.
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$120 Global Entry or TSA PreCheck® Credit Receive up to $120 in statement credits for either Global Entry® or TSA PreCheck®.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 100,000 Points + 25,000 Global Companion Award + 50% Flight DiscountCurrentElevated | $6,500 in 90 days | Present |
| 100,000 Points + 25,000 Global Companion AwardElevated | — | Launch offer (Aug 2025) |
Citi® / AAdvantage® Globe™ Mastercard®
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Highest value in the first year since the annual fee is a bit steep compared to the benefits.
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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4 Admirals Club® Globe™ Passes Per Year Four one-day Admirals Club Globe passes per year — each valid for a full 24 hours and lets you bring in up to 3 adults. Great for long travel days with family.
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Up to $100/year Splurge Credit (Pick 2 Merchants) Up to $100 in statement credits each calendar year for purchases at your choice of two merchants: AAdvantage Hotels, 1stDibs, Future Personal Training, or Live Nation.
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$99 Companion Certificate Starting Year 2 Starting in your second cardmember year, get a $99 companion certificate valid for a single round-trip domestic economy trip each year.
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Global Entry / TSA PreCheck Application Credit Up to $120 statement credit for Global Entry or TSA PreCheck application fee.
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First Checked Bag Free + Priority Boarding First checked bag free and Group 5 priority boarding on AA flights.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 90,000 AAdvantage MilesCurrent | $5,000 in 4 months | May 2026 - Present |
United℠ Explorer Card
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.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
The 10% off (or more) on award flights makes this a good option if you're planning to book on United.
Highlights
The key benefits and earning rates at a glance.
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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
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Free First Checked Bag (Cardholder + 1 Companion) Your first checked bag is free for you and one companion on United-operated flights.
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2 United Club℠ One-Time Passes Annually (Over $100 Value) 2 one-time United Club passes per year (anniversary), usable by primary cardholder, authorized users, or guests traveling with them.
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Priority Boarding Cardholder + companions on the same reservation board United-operated flights prior to general boarding.
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$120 Global Entry / TSA PreCheck® / NEXUS Statement Credit Statement credit of up to $120 every 4 years as reimbursement 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 40,000-60,000 Miles | $2,000-$3,000 in 3 months | Earlier 2020s offers |
| 60,000 Miles | $3,000 in 3 months | Standard offer baseline |
| 70,000 Miles | $3,000 in 3 months | Standard offer baseline |
| 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) |
Hotel Card Offers
No personal hotel cards on my favorites list right now. For hotel points I usually transfer flexible currency to a partner. Check back as the year evolves — this list refreshes regularly.
IHG One Rewards Premier Credit Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
I love the annual free night certificate on this one and 4th night free when you book with points.
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The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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Anniversary Free Night (up to 40,000 Points) Each cardmember anniversary, after paying the $99 annual fee, you receive a free night certificate worth up to 40,000 IHG points. You can top off the certificate with extra points to redeem at hotels charging more than 40,000 points. Easily covers the annual fee.
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4th Reward Night Free on Consecutive 4-Night IHG Stays Enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay.
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Automatic IHG Platinum Elite Status Automatic IHG One Rewards Platinum Elite status as long as you remain a Premier cardmember. Includes welcome amenities at IHG hotels, space-available room upgrades, and the 26x total points earning rate at IHG properties.
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Diamond Elite Status with $40K Annual Spend The primary cardmember earns IHG Diamond Elite status through December 31st of the following year after spending $40,000 in a calendar year on the card.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| Up to 185,000 Bonus Points (150K + 35K)CurrentElevated | $3,000 in 3 months, then $6,000 total in 6 months | Current limited-time elevated (launched April 30, 2026) |
| 175,000 Bonus PointsElevated | Standard spend req | Ended Spring 2023 |
| 165,000 Bonus PointsElevated | Standard spend req | Ended April 3, 2024 |
| 5 Free Nights (up to 60K per night)Elevated | Standard spend req | Ended September 2024 |
| 5 Free Nights (up to 60K per night)Elevated | Standard spend req | Ended July 24, 2025 |
| 165,000 Bonus PointsElevated | Standard spend req | Ended October 2025 |
| 175,000 Bonus PointsElevated | $5,000 in 3 months | Limited-time elevated; ended March 18, 2026 |
| 140,000 Bonus Points | $3,000 in 3 months | Standard offer |
Marriott Bonvoy Boundless® Credit Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
If you like Marriott, this is a keeper card — we find that the annual free night is easy to redeem at hotels that cost $250+ per night.
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The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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Annual Free Night Award (Up to 35K Points + 25K Topup = 60K Max) 1 Free Night Award each year after your card account anniversary, valid at properties costing up to 35,000 points per night. As of March 12, 2026, this 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. It's easy to redeem at hotels that cost $250+ per night — essentially a half-price hotel night. Certificates expire 12 months after issuance.
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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.
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15 Elite Night Credits Annually + 1 ENC Per $5K Spent + Path to Gold at $35K 15 Elite Night Credits each calendar year (more than Bold's 5) automatically toward next status tier. Plus 1 Elite Night Credit per $5,000 spent (uncapped). PATH TO GOLD: spend $35,000 in a calendar year to qualify for Gold Elite status (which adds 25% bonus on base points, late 4 PM checkout subject to availability, and welcome amenity).
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Up to $100 Airline Statement Credits ($50 Biannually) — 2026 Exclusive 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 125,000 Bonus Points + 1 Free Night AwardCurrentElevated | $3,000 in 3 months | Current as of June 2026 |
| 75,000 Bonus Points | Standard spend | Standard baseline offer |
| 3 Free Night Awards (Up to 50K Each) | $3,000 in 3 mo | Previous standard offer |
| 125,000 Bonus Points + 1 Free Night AwardElevated | Standard spend | ENDED November 2025 |
| 5 Free Night Awards (Up to 50K Points Each)Elevated | $3,000 in 3 mo | Best-ever; ENDED March 11, 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 |
IHG One Rewards Traveler Credit Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Good option for a no annual fee card! This card also unlocks the ability to get your 4th night free on IHG award stays.
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The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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4th Reward Night Free on Stays of 4+ Nights When you redeem points for any consecutive stay of 4 or more nights at an IHG hotel, the 4th reward night is free.
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Automatic IHG Silver Elite Status Automatic IHG One Rewards Silver Elite status as long as you remain a Traveler cardmember. Includes a 20% bonus on points earned during paid IHG stays and points that don't expire while you hold the card.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| Up to 125,000 Bonus Points (90K + 35K)CurrentElevated | $2,000 in 3 months, then $4,000 total in 6 months | Current limited-time elevated (just launched ~April 30, 2026) |
| 100,000-120,000 Bonus PointsElevated | Standard spend req | Periodic elevated offers |
| 120,000 Bonus PointsElevated | Standard spend req | Ended July 2025 |
| 2 Free Nights + 40,000 Bonus PointsElevated | $2,000 in 3 months | Ended October 2025 |
| 80,000 Bonus Points | $2,000 in 3 months | Standard sign-up bonus |
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.
Ink Business Unlimited® Credit Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
A perennial favorite! No annual fee and you can convert the cash back > Ultimate Rewards if you also have a card like the Chase Sapphire Preferred® Card
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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 ($25/year value) plus $20 in Instacart credits each month when you have Instacart+ through December 31, 2027.
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Pool 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.
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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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $750 Cash BackCurrent | $6,000 in 3 months | Standard (current as of May 1, 2026) |
| $500 Cash Back | $3,000 in 3 months | Long-running historical standard |
| $750 Cash Back | $7,500 in 3 months | Pandemic-era offer |
| $900 Cash BackElevated | $6,000 in 3 months | Fall 2022 |
| $900 Cash BackElevated | $6,000 in 3 months | Returned September 2023 - mid-January 2024 |
| $900 Cash BackElevated | $6,000 in 3 months | Fall 2024 (mid-September to early November) |
| $900 Cash BackElevated | $6,000 in 3 months | Best-ever; ran September 12 - November 13, 2025 |
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
A perennial favorite! No annual fee and you can convert the cash back > Ultimate Rewards if you also have a card like the Chase Sapphire Preferred® Card
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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 ($25/year value) plus $20 in Instacart credits each month through December 31, 2027 while you have Instacart+.
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Pool 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $750 Cash BackCurrent | $6,000 in 3 months | Standard (current as of May 1, 2026) |
| $500 Cash Back | $3,000 in 3 months | Long-running historical standard |
| $750 Cash Back | $7,500 in 3 months | Pandemic-era offer |
| $900 Cash BackElevated | $6,000 in 3 months | Fall 2022 |
| $900 Cash BackElevated | $6,000 in 3 months | Returned September 2023 - mid-January 2024 |
| $900 Cash BackElevated | $6,000 in 3 months | Best-ever; ran September 12 - November 13, 2025 |
Chase Sapphire Reserve® for Business
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Katie's Take
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This annual fee is certainly hefty but if your business will use enough of the credits it provides some solid value.
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$300 Annual Travel Credit $300 in statement credits each anniversary year on travel purchases. Automatically applied.
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$120 Trusted Traveler Credit (Every 4 Years) Up to $120 statement credit for TSA PreCheck®, NEXUS, or Global Entry application fee. Available every 4 years.
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Lounge Access (Sapphire + Priority Pass + 2 Guests) Access to the Chase Sapphire Lounge® and Priority Pass lounges, with 2 guests included.
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DashPass + $25/Month DoorDash Credits (Through Dec 31, 2027) $25 per month total in DoorDash credits ($300/yr) plus complimentary DashPass membership ($120/yr value) — up to $420/yr in total value. Activate by December 31, 2027.
Offer History
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 200,000 PointsCurrentElevated | $30,000 in 6 months | Launch offer ended January 22, 2026, Present |
| 150,000 Points | $20,000 in 3 months | Current standard (since Jan 22, 2026) |
Ink Business Preferred® Credit Card
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Katie's Take
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Overall good card option for earning Ultimate Rewards. One of the few that still earns 3x on travel.
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Cell Phone Protection (Up to $1,000/Claim) Get up to $1,000 per claim and $1,500 per 12-month period 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.
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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.
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Auto Rental Collision Damage Waiver (PRIMARY for Business Rentals) PRIMARY auto rental collision damage waiver coverage for business rentals (most cards offer secondary). 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 100,000 Bonus Points (ELEVATED)CurrentElevated | $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 |
Katie's Take
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Katie's Take
Why this card might (or might not) be right for you.
Great option to earn Venture miles with a business card that won't add to your 5/24 count
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$50 Annual Capital One Business Travel Credit Receive an annual $50 statement credit for bookings through Capital One Business Travel.
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$50 Annual Software/Advertising Statement Credit Receive up to $50 in statement credits annually for purchases at qualifying advertising or software merchants.
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$120 Global Entry or TSA PreCheck® Credit Receive up to a $120 statement credit for Global Entry or TSA PreCheck® every four years.
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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
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| 100,000 MilesCurrent | $10,000 in 3 months | Current as of June 2026 |
| 50,000 Miles | Standard spend req | 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 second quarter 2026 |
Katie's Take
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Katie's Take
Why this card might (or might not) be right for you.
Great option if you have a lot of expenses coming up. Doesn't report to personal credit, so it won't count toward your 5/24.
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No Preset Spending Limit The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors.
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Charge Card (No APR) Spark Cash Plus has no APR because your balance is due in full every month.
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Annual Fee Refunded with $150K Spend Get the $150 annual fee refunded every year you spend at least $150,000 on the card. Effectively a $0 AF for high-volume businesses.
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$2,000 Bonus for Every $500,000 Spent (First Year) Earn an additional $2,000 cash bonus for every $500,000 you spend during the first year as a cardholder. Uncapped — earn this bonus multiple times in year one if you spend at scale.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| $2,000 Cash Back + $2,000 per $500K spent in year 1CurrentElevated | $30,000 in 3 months | Present |
| Previous tiered offers | Up to $50,000 in spend | Earlier offers required higher spend |
| $1,200 Cash Back | $30,000 in 3 months | Previous offer |
Katie's Take
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Katie's Take
Why this card might (or might not) be right for you.
Very similar to the personal version but does still give Priority pass guest access to 2 guests which is a plus.
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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. Doesn't roll over — use it before each anniversary or lose it.
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10,000 Bonus Miles Each Anniversary Every year on your account anniversary, you'll get 10,000 bonus miles (worth roughly $100 in travel).
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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. Heads up: as of February 1, 2026, authorized users no longer get lounge access for free — they need a $125 fee. Guest access is also ending.
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$120 Global Entry or TSA PreCheck® Credit Receive up to a $120 credit for Global Entry or TSA PreCheck® every four years.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| 150,000 MilesCurrent | $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
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Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
If you're new, prioritize Ink cards first. But if you're maxed out at Chase or want a break, this is a solid way to earn Membership Rewards — and existing Amex customers usually avoid the hard pull.
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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
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$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.
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$150 Squarespace Annual Credit Enroll and get up to $150 in statement credits annually for U.S. purchases with Squarespace on your Business Gold Card.
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Up to $300 ChatGPT Business Credit Enroll to 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.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| As high as 200,000 PointsCurrent | $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
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Katie's Take
Why this card might (or might not) be right for you.
High annual fee but the stack of statement credits (Dell, Indeed, Adobe, Wireless, Hilton, hotel, airline, Clear+) can easily justify it for big-spending business owners.
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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.
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$200 Airline Fee Credit Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
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$209 Clear+ Credit Get up to $209 back per calendar year on your Clear+ Membership (subject to auto-renewal).
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$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.
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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
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| As high as 300,000 PointsCurrentElevated | $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.
Atmos™ Rewards Visa Signature® Business Card
Katie's Take
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Katie's Take
Why this card might (or might not) be right for you.
A solid option for earning Atmos Rewards, especially when you see an elevated offer.
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Alaska's Famous Companion Fare™ ($99 + taxes/fees from $23) Earn Alaska's Famous 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.
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Priority Boarding (You + 6 Guests) Enjoy priority boarding for you and up to 6 guests on the same reservation.
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Free Checked Bag (You + 6 Guests) Free checked bag for you and up to 6 guests on the same reservation.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| 80,000 Points + $99 Companion FareCurrentElevated | $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) |
Katie's Take
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Katie's Take
Why this card might (or might not) be right for you.
The 10% off (or more) on award flights makes this a good option if you're planning to book on United.
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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. SIGNATURE perk of the United Business Card.
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2 United Club℠ One-Time Passes Annually (Over $100 Value) 2 one-time United Club passes per year, usable by primary cardholder, authorized users, or guests traveling with them. Each pass valued ~$59 (United Club one-time pass price), so total ~$118/year value.
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Free First Checked Bag (Cardholder + 1 Companion) Your first checked bag is free for you and one companion on United-operated flights. With checked bag fees now $40 each way, that can save you up to $200 per roundtrip.
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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.
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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).
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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.
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1 PQP per $20 Spent (Up to 4,000 PQP/Year) Earn 1 PQP for every $20 in card purchases, up to 4,000 PQP per calendar year. Lower cap than Quest's 18K or Club's 28K — but useful additional acceleration on top of the welcome offer's 2K PQP and the 1,500 annual bonus.
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2 Economy Plus® Seat Upgrades After $25,000 Calendar Year Spend After $25,000 in calendar year card spend, earn 2 continental U.S. Economy Plus seat upgrades. Useful spend-tier perk for taller travelers.
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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
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| Up to 110,000 MilesCurrentElevated | $5,000 in 3 months + add employee card | Current limited-time elevated |
| 50,000 Miles | $5,000 in 3 months | Lower historical offer |
| 75,000 Miles | $5,000 in 3 months | Long-running historical standard offer |
| 100,000 MilesElevated | $5,000 in 3 months | Ended April 2024 |
| 125,000-135,000 Miles (with promo code/auth user)Elevated | $5,000 in 3 months | Ended June 2025 |
| 150,000 Miles (75K + 75K Tier)Elevated | $5,000 in 3 months + $20K total in 6 months | Best-ever; 2024-2025 |
Delta SkyMiles® Gold Business American Express Card
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Katie's Take
Why this card might (or might not) be right for you.
Solid card option for earning Delta miles. Elevated offers cycle through frequently, I'd recommend waiting for an elevated offer before you get this card.
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First and Second Checked Bag Free on Delta Flights First Checked Bag Free on Delta flights for you and up to 8 companions on the same reservation. Plus, as a Basic Card Member, your second checked bag is free on domestic Delta flights.
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Zone 5 Priority Boarding Zone 5 Priority Boarding on Delta flights.
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15% Off Delta Award Travel Save 15% when you book flights with your Delta miles on delta.com or the Fly Delta app. Just remember, this perk doesn't work for partner airlines or pesky taxes/fees.
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$120 Rideshare Credit Earn up to $10 back each month in statement credits after your first Card renewal when you use your Card for U.S. rideshare purchases with select providers. Enrollment required.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| 90,000 MilesCurrentElevated | $6,000 in 6 months | Current as of June 2026; offer ends 07/15/2026 |
| 80,000 MilesElevated | Standard spend requirement | Recurring elevated |
| 90,000 MilesElevated | Standard spend requirement | Recurring elevated (last: 10/29/25) |
| 55,000 - 60,000 Miles | Standard spend requirement | Ended second quarter 2026 |
| 60,000 Miles | $4,000 in 6 months | Ended second quarter 2026 |
Delta SkyMiles® Platinum Business American Express Card
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Katie's Take
Why this card might (or might not) be right for you.
This card is a coupon book of credits and perks — if you'll actually use them, the annual fee is easy to justify.
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First Checked Bag Free on Delta Flights Your first checked bag is free on international and domestic Delta flights, for you and up to 8 companions on the same reservation. Plus, your second checked bag is free on domestic Delta flights.
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Annual Companion Certificate Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
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$120 Resy Credit Get up to $120 in statement credits annually for U.S. Resy purchases ($10 monthly credit for purchases at U.S. Resy restaurants).
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$120 U.S. Rideshare Credit Up to $10 per month in statement credits for rideshare purchases with select providers.
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$150 Delta Stays Credit Up to $150 annual credit for prepaid hotels/rentals booked through Delta Stays on delta.com.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| 100,000 MilesCurrentElevated | $8,000 in 6 months | Current as of June 2026; offer ends 07/15/2026 |
| 100,000 MilesElevated | Standard spend requirement | Recurring elevated (last: 10/29/25) |
| 60,000 - 70,000 Miles | Standard spend requirement | Ended second quarter 2026 |
| 70,000 MilesElevated | $6,000 in 6 months | Ended second quarter 2026 |
Delta SkyMiles® Reserve Business American Express Card
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Katie's Take
Why this card might (or might not) be right for you.
The annual fee is on the higher side, but if you're traveling a lot on Delta, the benefits can potentially outweigh the cost.
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Delta Sky Club® Access (15 visits/year) Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
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Complimentary Centurion® & Escape Lounge Access When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
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Annual Companion Certificate Receive a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
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First Checked Bag Free on Delta Flights Your first checked bag is free on Delta flights worldwide, for you and up to 8 companions on the same reservation. Plus, your second checked bag is free on domestic Delta flights.
Offer History
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Offer History
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| Offer | Spend Req. | Date |
|---|---|---|
| 125,000 MilesCurrentElevated | $15,000 in 6 months | Current as of June 2026; offer ends 07/15/2026 |
| 110,000 MilesElevated | Standard spend requirement | Recurring elevated (typical jumps) |
| 125,000 MilesElevated | Standard spend requirement | Recurring elevated (last: 10/29/25) |
| 60,000 - 80,000 Miles | Standard spend requirement | Ended second quarter 2026 |
| 80,000 MilesElevated | $12,000 in 6 months | Ended second quarter 2026 |
Citi® / AAdvantage Business™ World Elite Mastercard®
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Katie's Take
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Great card to get to stay below 5/24 and stock up on AA miles.
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Free First Checked Bag for Cardholder + Up to 4 Companions on Same Reservation First checked bag is free on domestic American Airlines itineraries for the cardholder and up to 4 companions traveling on the same reservation. AA charges $30 each way for the first checked bag on domestic flights, so that's a savings of $60 round trip per person — up to $300 round trip for the cardholder plus 4 companions. Just two round trips with companions covers the $99 annual fee.
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Preferred Group 5 Boarding on American Airlines Cardholder + up to 4 companions on same reservation get Preferred Group 5 boarding. Boards before non-elite economy passengers, ahead of general boarding. Useful for overhead bin space and saving time. Authorized users do NOT get boarding/checked-bag perks (per yourbestcreditcards) — only the primary cardholder.
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1 Loyalty Point Per $1 on ALL Spend (AA Elite Status Path) Earn 1 Loyalty Point for every $1 spent on the card (in addition to AAdvantage miles). Loyalty Points are AA's elite-qualifying currency. Tier thresholds: Gold (40K LP), Platinum (75K LP), Platinum Pro (125K LP), Executive Platinum (200K LP). Card spending is a meaningful path to elite status.
Offer History
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 60,000 AAdvantage MilesCurrent | $5,000 in 5 mo | Current public standard offer (October 2025) |
| 75,000 AAdvantage Miles + AF Waived First YearCurrentElevated | $5,000 in 5 mo | Current limited-time elevated offer (returned March 9, 2026; best-ever) |
| 65,000 AAdvantage Miles (Page-Stated Standard) | Standard spend | Earlier standard offer was 65,000 miles; now superseded by current 60K standard |
| 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) |
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:
Marriott Bonvoy Business® American Express Card
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Katie's Take
Why this card might (or might not) be right for you.
I like that it won't affect your 5/24 status + has a free night certificate every year
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Automatic Marriott Bonvoy® Gold Elite Status Automatic Marriott Bonvoy® Gold Elite status with your Card. Earn 25% more points on every eligible hotel purchase.
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Free Night Award (35K) — Annual + Bonus at $60K Spend Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
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7% Marriott Booking Discount Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
Offer History
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 150,000 Points + $125 Statement CreditCurrent | $8,000 in 6 months | Current as of June 2026; offer ends 07/15/2026 |
| 75,000 - 125,000 Points | Standard spend req | Typical fluctuation range |
| 3 Free Night Certificates (up to 50K each)Elevated | Standard spend req | Recurring |
| 5 Free Night Awards (up to 50K each)Elevated | Standard spend req | Ended March 2024 |
| 5 Free Night Awards (up to 50K each)Elevated | Standard spend req | Ended July 2024 |
| 5 Free Night Awards (up to 50K each)Elevated | $6K + $3K in 6 mo | Ended second quarter 2026 |
| 175,000 PointsElevated | $5,000 in 6 months | Ended second quarter 2026 |
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
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Katie's Take
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When this offer goes to $750 cash back it's a very solid offer for a no-annual fee business card that will keep you under 5/24
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The key benefits and earning rates at a glance.
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Business Card — Does NOT Count Toward Chase 5/24 As a U.S. Bank business card, this card reports to your business credit only — not your personal credit. This business card won't show on your personal credit report, so it won't count against your 5/24 status. That's significant if you're trying to stay under or get back to 5/24.
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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.
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$0 Annual Fee — Plus Free Employee Cards (Permanently) No annual fee — permanently. Employee credit cards are also free, with individual spending limits available via U.S. Bank Spend Management.
Offer History
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $750 Cash BackCurrentElevated | $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
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Great in year one for 4 Priority Pass visits (including restaurants) when the annual fee is waived.
Highlights
The key benefits and earning rates at a glance.
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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. Especially valuable in Year 1 when the annual fee is waived.
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$0 Intro Annual Fee First Year, Then $95 The $95 annual fee is waived in the first year — making this card best-in-class value in year one.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 75,000 PointsCurrent | $6,000 in 180 days (account owner spend only) | May 2026 - Present |
Business Leverage® Visa Signature® Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
When this offer goes to $750 cash back it's a very solid offer for a no-annual fee business card that will keep you under 5/24
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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Business Card — Does NOT Count Toward Chase 5/24 As a U.S. Bank business card, this card reports to your business credit only — not your personal credit. That's significant for readers working a Chase application strategy who are trying to stay under or get back to 5/24, since it won't add to your 5/24 count.
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$0 Foreign Transaction Fees on International Purchases No foreign transaction fees on international inventory, supply, or travel expenses. Per U.S. Bank: '0%' FTF. Different from U.S. Bank Triple Cash Business which has 3% FTF. Page captures this benefit (verbatim from U.S. Bank marketing copy).
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2x on Top 2 Spending Categories — AUTOMATICALLY Each Month (48 Eligible Categories) System automatically selects your top 2 spending categories each month from 48 eligible categories. No manual selection required, no quarterly activation, no guessing about future spending. Categories include: advertising, airlines, gas stations, grocery stores, hotels, restaurants, wholesale clubs, computer stores, freight/transportation, drug stores, and more. UNIQUE among business cards.
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Free Employee Cards with Individual Spending Controls Add cards for your employees to earn rewards for their purchases at no additional cost. Set individual spending limits via U.S. Bank Spend Management. NOTE: Only Account Owner spend counts toward welcome offer threshold.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $750 (75K Points)Current | $7,500 in 120 days | Current public offer (May 2026) |
| $600 (60K Points) | $6,000 in 120 days | Alternative offer documented on U.S. Bank's own homepage; possibly seen at different times |
Business Advantage Unlimited Cash Rewards Mastercard®
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
A no-annual-fee business cash back card with flat 1.5% on every purchase — and that rate climbs to as high as 2.625% if you qualify for Bank of America's Preferred Rewards for Business program.
Highlights
The key benefits and earning rates at a glance.
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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 2.625% on every purchase. Requires an active BoA business checking account plus qualifying balances across BoA business deposit and Merrill business investment accounts. Note: Preferred Rewards is being renamed to BofA Rewards in May 2026.
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0% Intro APR on Purchases (7 billing cycles) 0% introductory APR on purchases for the first 7 billing cycles. After the intro period, a variable APR currently between 16.74% and 26.74% applies. Useful if your business needs to front a large expense and pay it off over time.
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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.
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Free Employee Cards Add unlimited employee cards at no extra cost to earn rewards on their business spending, with individual spending controls and real-time alerts.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $500 Cash BackCurrent | $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.
All information about this card has been collected independently by Katie's Travel Tricks.
Disney® Inspire Visa® Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Interesting option for Disney fans, especially if you can use the $10/month streaming credit.
Highlights
The key benefits and earning rates at a glance.
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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.
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$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.
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$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.
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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. Same redemption mechanic as the Disney Premier Visa.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $300 Disney Gift Card eGift + $300 Statement CreditCurrent | $1,000 in 3 months | Launch offer (since February 3, 2026) |
All information about this card has been collected independently by Katie's Travel Tricks.
Disney® Premier Visa®
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Generally speaking, I think this card doesn't offer a ton of value long term.
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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Pay Yourself Back for Airline Purchases (Disney Rewards Dollars) Redeem your 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. Similar to Chase's Aeroplan Pay Yourself Back option but using Disney Rewards Dollars instead of Aeroplan miles.
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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; same discount available with the no-AF Disney Visa Debit card if you have a Chase checking account.)
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10% Off Select Purchases at DisneyStore.com Save 10% on select purchases at DisneyStore.com when paying with the card.
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0% Intro APR on Select Disney Vacation Packages (6 Months) 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase. After the intro period, a variable APR of 18.24%-27.74% applies.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $400 Statement CreditCurrentElevated | $1,000 in 3 months | Current alt.) |
| $200 Disney Gift Card eGift + $100 Statement CreditCurrentElevated | $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 |
All information about this card has been collected independently by Katie's Travel Tricks.
American Express® Green Card
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
A good starter for Membership Rewards — but only if you grab it before Gold or Platinum, since those make you ineligible for this offer.
Highlights
The key benefits and earning rates at a glance.
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Highlights
The key benefits and earning rates at a glance.
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$209 Clear+ Credit Receive up to $209 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 History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 40,000 PointsCurrent | $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) |
