Earn 15,000 MR points after $3k spend, 0% intro APR for 12 months, and 2X points on up to $50k in purchases—all with no annual fee. A solid anchor card for your wallet.
Bonus$50,000
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 15,000 Membership Rewards points after $3,000 spend in first 3 months
Intro APR: 0.0% on purchases for 12 months from account opening
Ongoing APR: 17.49% - 27.49% variable (based on creditworthiness)
Rewards Rate: 2X points on everyday business purchases up to $50,000 per year, then 1X
Earn a $300 statement credit after spending $3,000 in 6 months with the Blue Cash Preferred Card. Plus, get 6% back at U.S. supermarkets and on select streaming subscriptions.
Bonus$6,000
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: $300 statement credit after $3,000 spend in first 6 months
Grocery Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year (then 1%)
Streaming Rewards: 6% cash back on select U.S. streaming subscriptions
Gas & Transit: 3% cash back at U.S. gas stations and on transit (taxis, rideshare, parking, tolls, trains, buses)
The Amex Hilton Aspire packs Diamond status, a free night, and $600 in credits into a $550 annual fee. If you can use the perks, it's a steal. Here's the full breakdown.
Bonus$6,000
Annual Fee$550
Monthly FeeNot listed
ExpirationNot listed
What to know
Annual Fee: $550
Welcome Offer: 175,000 Hilton Honors points after $6,000 in purchases within the first 6 months, plus a free night certificate
Hilton Resort Credit: $400 per year ($200 every six months)
Earn $200 statement credit after spending $2,000 in 6 months. No annual fee, 3% back on U.S. supermarkets, online retail, and gas stations (up to $6k each).
Bonus$6,000
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: $200 statement credit after $2,000 in purchases within first 6 months
Annual Fee: $0
Intro APR: 0% on purchases and balance transfers for 15 months
Ongoing APR: 18.24% - 29.24% variable APR after intro period
Earn $350 back after spending $3,000 in 6 months. Plus 6% on groceries and streaming, 3% on gas/transit. $0 annual fee first year. Offer ends August 14, 2024.
Bonus$6,000
Annual Fee$0
Monthly FeeNot listed
ExpirationExpired Aug 14, 2024
What to know
Welcome Bonus: Earn $350 back as a statement credit after spending $3,000 on eligible purchases within the first 6 months of Card Membership.
Annual Fee: $0 introductory annual fee for the first year, then $95 per year thereafter.
Intro APR: 0% intro APR on purchases and balance transfers for 12 months from account opening, then a variable APR of 19.49% to 28.49% (variable APR will not exceed 29.99...
Cash Back on Groceries: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
The Chase IHG Premier card offers a massive 175,000-point sign-up bonus, but requires $5,000 in spending. We break down the value, perks, and whether it's the right time to apply.
Bonus$5,000
Annual Fee$99
Monthly FeeNot listed
ExpirationNot listed
What to know
Sign-Up Bonus: 175,000 IHG Rewards points
Spending Requirement: $5,000 in first 3 months
Annual Fee: $99 (not waived first year)
Earning Rates: 26x at IHG, 5x on travel/dining/gas, 3x on all else
Earn a $250 cash bonus and unlimited 1.5% cash back with the M&T Business Rewards Credit Card. No annual fee, 0% intro APR for 9 months. Great for small business owners.
Bonus$2,500
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Bonus Amount: $250 (25,000 points) after $2,500 spend in 90 days
Cash Back Rate: Unlimited 1.5% on all purchases
Intro APR: 0% on purchases for 9 billing cycles
Ongoing APR: Variable 16.74% - 23.74% after intro period
Regional banks offer business credit cards with up to $2,000 cash bonuses, but availability is strictly limited by your state of residence. A solid option for those under 5/24.
Bonus$2,000
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Maximum Bonus: Up to $2,000 cash
Common Bonus Tiers: $500 for $4k spend in 90 days; $1,000 for $7.5k spend in 90 days
Key Feature: Does not report to personal credit reports
Discover it cardholders can activate 5% cash back on groceries, wholesale clubs, and streaming for Q1 2026. Earn on up to $1,500 in spend. Activation is required.
The GolfCard offers 20k points after $4k spend in 3 months plus up to $1,100 in partner credits. But the high annual fee and niche credits require careful evaluation for serious golfers.
Bonus$1,100
Annual Fee$250
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 20,000 points after spending $4,000 in the first 3 months
Annual Fee: $250
Rewards Rates: Up to 10x points with partners, 3x on all golf, 2x on travel & dining, 1x on everything else
Claimed Annual Value: Up to $1,100 in partner credits
New elevated offers for the Wyndham Earner and Earner Plus cards offer up to 75k points, but require a $500 stay at Wyndham. Good for existing travel plans, not worth a forced mattress run.
Bonus$1,000
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Cards with Offers: Wyndham Rewards Earner Card & Wyndham Rewards Earner Plus Card
Maximum Bonus (Earner Card): Up to 60,000 points (30k after $1k spend in 90 days + 30k after $500 at Wyndham in 180 days)
Maximum Bonus (Earner Plus Card): Up to 75,000 points (45k after $1k spend in 90 days + 30k after $500 at Wyndham in 180 days)
Key Requirement: Must spend $500 at 'Hotels by Wyndham' within first 180 days to earn the second, larger bonus chunk.
The Chase Ink Business Premier card offers a $1,000 cash back bonus after spending $10k in 3 months, plus strong flat-rate rewards. But with a $195 annual fee, is it right for your business spending?
Bonus$1,000
Annual Fee$195
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: $1,000 cash back after spending $10,000 on purchases in the first 3 months from account opening.
Annual Fee: $195
Purchase APR: 17.74% to 25.74% variable, based on creditworthiness.
Key Rewards Rate: Unlimited 2% cash back on all business purchases.
Get a $150 cash bonus after spending $3,000 in 90 days. Earn 5% back at Amazon (on up to $1k/month) and 2% in key categories like gas, groceries, and dining. No annual fee.
Bonus$1,000
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: $150 cash back after spending $3,000 in the first 90 days
Annual Fee: $0
Key Ongoing Rewards: 5% cash back on up to $1,000 in Amazon purchases per month; 2% back at U.S. gas stations, supermarkets, restaurants, on streaming, and on rideshares; 1% back o...
Additional Bonus: 10,000 bonus points for spending $25,000 within the first year
Earn a $750 cash bonus after spending $7,500 in 3 months with the Capital One Spark Cash. Unlimited 2% back on every purchase, no categories to track. Annual fee waived first year.
Bonus$750
Annual Fee$95
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: $750 cash bonus after spending $7,500 in first 3 months
Ongoing Rewards: Unlimited 2% cash back on all purchases
Earn up to $750 (75,000 points) after spending $7,500 in 120 days. 2X points on top 2 spend categories each month. $0 annual fee first year.
Bonus$750
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 75,000 bonus points (up to $750) after spending $7,500 in eligible purchases within 120 days of account opening
Ongoing Rewards: 2X points on top 2 spend categories each month (48 possible categories), 1X on all other purchases, 5X on prepaid hotels and car rentals booked through the Tra...
Annual Fee: $0 intro for the first year, then $95 annually
Foreign Transaction Fee: None on international inventory, supply, or travel expenses
The Amex Business Platinum Card offers 200,000 Membership Rewards points after spending $20k in 3 months. With a $695 annual fee, we break down if the perks justify the cost.
Bonus$695
Annual Fee$695
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 200,000 Membership Rewards points
Spending Requirement: $20,000 on eligible purchases within the first 3 months
Annual Fee: $695
Key Ongoing Perks: $200 annual airline fee credit, $199 CLEAR® Plus credit, 5x points on flights & prepaid hotels via AmexTravel.com, 1.5x points on select business categories &...
Earn 100,000 Membership Rewards points after spending $8,000 in 6 months. The $695 annual fee is steep, but credits and perks can offset it for frequent travelers.
Bonus$695
Annual Fee$695
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 100,000 Membership Rewards points
Spend Requirement: $8,000 in eligible purchases within 6 months
The Amex Bonvoy Brilliant card offers 200,000 points after $6k spend in 3 months, plus annual free nights, dining credits, and elite status. But with a $650 annual fee, is it right for you?
Bonus$650
Annual Fee$650
Monthly FeeNot listed
ExpirationExpired Mar 16, 2026
What to know
Welcome Bonus: 200,000 Marriott Bonvoy points after spending $6,000 in the first 3 months
Annual Fee: $650
Annual Dining Credit: $300 total ($25 monthly statement credit for U.S. restaurant purchases)
Annual Free Night Award: Each card anniversary, valid at properties costing up to 85,000 points per night
Earn 70,000 Delta SkyMiles after spending $5,000 in 6 months. Plus, get a yearly companion certificate, lounge access, and more. High annual fee, but big value for frequent Delta flyers.
Bonus$650
Annual Fee$650
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 70,000 Bonus Miles after spending $5,000 in eligible purchases within the first 6 months of Card Membership.
Annual Fee: $650 (see rates and fees)
Foreign Transaction Fees: None
Earning Rates: 3X miles on Delta purchases; 1X mile on all other eligible purchases.
Earn 50,000 bonus points (worth up to $625 in travel) after spending $4,000 in 3 months. Plus, get 3x points on gas & groceries, no foreign fees, and up to $85 toward Global Entry or TSA PreCheck. Requires an HSBC Premier checking account.
Bonus$625
Annual Fee$95
Monthly FeeNot listed
ExpirationNot listed
What to know
Welcome Bonus: 50,000 points after $4,000 spend in first 3 months
Bonus Value: Up to $625 in travel via HSBC Travel
Annual Fee: $95 (waived for Private Banking customers)
Rewards Rate: 3x points on gas and groceries, 2x on travel, 1x on everything else
Earn $600 cash back after spending $6,000 in the first 3 billing cycles with the PNC Cash Rewards Visa Signature Business Card. No annual fee, unlimited 1.5% cash back, and no expiration on rewards.
Bonus$600
Annual Fee$0
Monthly FeeNot listed
ExpirationNot listed
What to know
Bonus Amount: $600 statement credit
Spend Requirement: $6,000 in net purchases within the first 3 billing cycles
Ongoing Rewards Rate: Unlimited 1.5% cash back on all purchases
A targeted Apple Card offer gives 5% cash back on groceries for 6 months (up to $500) plus a $75 bonus on first purchase. Must apply via a special email link by April 13, 2026.
Bonus$500
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpired Apr 13, 2026
What to know
Core Bonus: 5% total Daily Cash back on grocery store purchases for the first 6 months
Bonus Cap: Up to $500 total Bonus Daily Cash from the grocery category
Instant Bonus: $75 Bonus Daily Cash upon making any first purchase with the card
Offer Expiry: You must apply using the specific link by April 13, 2026