Free Credit Cards

Cards Earning Miles or Points | Cash Back Cards

Cards Earning Miles or Points

I apply for any card that offers miles up front for just qualifying for it. The only reason not to would be that you are concerned that it might affect your credit rating. I discuss that in the Important Starting Info section. If they are free for only a specified period of time, just close the account just before that time is up, telling them you refuse to pay an annual fee. Do this by a telephone call to the customer service center for the card about 2 months before the fee is due. You may be offered bonus miles for continuing to use the card (then cancel it anyway after earning the bonus miles), an extension of the free time, or another free card that earns miles.

I mention some offers for Canadians, but probably the best resource for miles producing credit cards for Canadians is the Rewards Canada Bonus Mile Promotion Directory.

Caution: Most cards have a limit on the number of miles you can earn in one year. If you plan to charge a lot on a card, be aware of this limit.

 

 
Cards with Mega-bonuses Which Waive the First Year Annual Fee     Most of the very best offers are for mega-bonus (up to 500,000 miles or points) for airline or hotel cards which waive the annual fee the first year. So if you cancel the card before the fee comes due, the card is free. These cards are described in the Annual Fee Cards section. Here are most of them:
  • Starwood The Starwood American Express card is one of my favorite cards for actual spending, as 20,000 points convert to 25,000 miles on a choice of a large number of airlines.
  • Cards earning Chase Ultimate Rewards points: Chase Sapphire Preferred(SM) Card, Ink Bold® Business Card, and Ink Plus® Business Card. Super bonus points convertible 1:1 to a choice of many airlines (including United), and excellent extra points for spending in certain categories like travel and business, making these my other favorites for actual spending.
  • American Airlines Visa Cards, MasterCards, and American Express Cards. Super up front bonuses if you follow my directions.
  • United Airlines Visa credit cards. Sometimes hard to find super bonuses, but I tell you how.
  • Delta Airlines American Express cards. Always a worthwhile up front bonus. Sometimes I tell you how to get a larger one.
  • American Express offers both free and annual fee credit and charge cards which give Membership Rewards points transferable into miles of some airlines. Some of these offer very good points and cash bonuses for successfully applying and first use, and some of these waive the annual fee for the first year.
  • China Air offers both free and annual fee Mastercards for U.S. residents, and a large number of cards, fee unknown, for residents of Asia.
  • IcelandAir offers both free and annual fee MasterCards for U.S. residents.
  • Korean Airlines offers both free and annual fee credit cards for U.S. residents.

 

   
      American Express EveryDaySM cards
There is a
flyertalk wiki on this card.

EveryDay Credit Card

When you apply, do not say you already have an American Express card. Some say that doing so may give you a lesser offer.

Last I looked the offer included

Last I looked the standard offer is 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases within the first 3 months.† But As of March 9, 2018, I can refer you to a 15,000 points offer. Just ask. I need your first name and your e-mail address.

Doctor of Credit says that there is a 25,000 points offer, using an incognito mode window, but I and may others are having great difficulty getting this to work.

Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.

2x points at US supermarkets, on up to $6,000 per year

Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.

0% intro APR on purchases and balance transfers for 15 months.
No annual Fee

This card appears to me to be a very easy way to keep your Membership Rewards points alive.

After you get the card, you can refer others to it and earn points for doing so. Visit this link for American Express's refer a friend site. From there enter your card information or your American Express log in and you should see the offer to refer others. Note the possible arrow to the right. Click on it to see other referral offers.

 

   
JetBlue Airways Mastercard     JetBlue Airways Mastercard
Limited time offer: 15,000 bonus TrueBlue points after you spend $1,000 in Net Purchases on your Account within 90 days of Account opening.
  • 3X points on jetblue purchases
  • 2X points at restaurants and grocery stores
  • 1X points on all other purchases
  • 50% savings on eligible inflight purchases
  • No foreign transaction fees
  • Chip-card technology
  • No annual fee
JetBlue Plus Card
  • 40,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
  • 5,000 bonus points every year after your account anniversary
  • 6X points on jetblue purchases
  • 2X points at restaurants and grocery stores
  • 1X points on all other purchases
  • 10% of your points back every time you redeem to use toward your next redemption
  • Free first checked bag
  • $100 statement credit after you purchase a Getaways vacation package with your card
  • No foreign transaction fees
  • Chip-card technology
  • $99 annual fee, not waived the first year
JetBlue Business Card
  • 40,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
  • 5,000 bonus points every year after your account anniversary
  • 6X points on jetblue purchases
  • 2X points at restaurants and office supply stores
  • 1X points on all other purchases
  • First checked bag for you and up to three companions free.
  • 10% of your points back every time you redeem to use toward your next redemption
  • No foreign transaction fees
  • Chip-card technology
  • $99 annual fee, not waived the first year
  • Offer is scheduled to expire June 29, 2018.

 

   
Hilton HHonors Credit Cards     Hilton offers credit cards with bonus points for first use. These points can be exchanged for miles on a large number of airlines at the usual ratio of 1,500, 1,000, or 850 miles for 10,000 points. Takes 5 minutes. Piece of cake. Or, the points can be exchanged for free room stays. The Hilton HHonors program is described in the Other Programs I Like section of this web site.

Note: Sometimes the bank will inadvertently open a new Hilton HHonors account for you and put your points there, instead of putting them into your existing account. If your points don't show up, contact Hilton HHonors customer service. They will find the two accounts for you and consolidate them.

For a quick, free infusion of extra Hilton HHonors points, consider acquiring American Express Cards that earn Membership Rewards points. The cards often waive the annual fee for a year, and then become prohibitively expensive. So cancel before the end of the first year.

List Of Hilton Honors 10,000 Point Properties, with interactive map. This means 6 free stays with some leftover if you accept the 65K credit card offer.

Hilton HHonors™ American Express card

  • If my link doesn't work, try this one. Use a private window for both.
  • 50,000 points after you spend $1,000 in purchases on the card within your first 3 months of card membership.
    • Limited time offer. 75,000 points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Offer expires June 27, 2018. Doctor of Credit says that you can get an extra $50 bonus statement credit on the no annual fee personal and business cards by doing a dummy booking. If that doesn't work, please use my referral link to apply. This helps me at no cost to you. Thanks.
  • Do not check the box requesting additional cards. Instead, after you get the card, check here to see if you are offered 10,000 Hilton HHonors points to add another person to your card. If you are not targeted for this offer, you can still call to add a card later. Full I.D., including Social Security number of the person you add is required, leading me to believe that this might count as a new card for that person, thus counting toward limitations some card issuers have on the number of cards you may have if you want a new card.
  • 7 bonus points/$1 spent at Hilton properties
  • 5 bonus points/$1 spent at supermarkets, restaurants and gas stations
  • 3 bonus points/$1 spent for most everything else
  • No foreign transaction fee
  • Complementary Hilton HHonors Silver Status
  • No Annual Fee
  • Alas, the welcome bonus offer is not available to applicants who have or have had this product.
  • After you get the card, check here to see if you are offered 10,000 Hilton HHonors points to add another person to your card. Full I.D., including Social Security number of the person you add is required, leading me to believe that this might count as a new card for that person, thus counting toward limitations some card issuers have on the number of cards you may have if you want a new card.
  • After you get the card, you can refer others to it and earn 10,000 points for doing so. Visit this link for American Express's refer a friend site. From there enter your card information or your American Express log in and you should see the offer to refer others. Note the possible arrow to the right. Click on it to see other referral offers.

Hilton HHonors American Express Business credit card

  • 125,000 Hilton HHonors bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Offer ends June 27, 2018. Doctor of Credit says that you can get an extra $50 bonus statement credit on the no annual fee personal and business cards by doing a dummy booking.
  • 12X points at hotels and resorts in the Hilton portfolio
  • 6X Points on select business purchases at U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, U.S. purchases for shipping, at U.S. restaurants, for flights booked directly with airlines or with AmexTravel.com, or on car rentals booked directly from select car rental companies
  • 3X Points everywhere else
  • $95 annual fee, not waived the first year.

Other more expensive Hilton Credit cards with lesser value (in my opinion - other bloggers disagree, especially those who earn commissions from them) with mega bonuses (up to 100,000 points) are listed here. Also listed are links to offers for countries other than the U.S.

 

   
Choice Privileges Visa Card     The Choice Privileges® Visa® Card
  • Earn 32,000 bonus points after spending $1,000 in the first 90 days
  • Earn 15 points per eligible $1 spent at over 4,200 Choice Privileges® locations
  • 5 points per eligible $1 spent on the purchase of Choice Privileges® points or Choice Hotels gift card purchases
  • Earn 2 points per eligible $1 spent on everyday purchases
  • No Annual Fee
  • Please see Terms and Conditions for complete details

Choice Privileges is the loyalty points program of Choice Hotels (Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and MainStay Suites, EconoLodge, and Rodeway Inns). You may read about it in the Points to Miles section of my Other Programs I Like page. Be sure to join this program and receive a membership number before applying for the credit card. That number will be requested on the application for the credit card.

 

   
Wyndham Rewards Visa     Wyndham Rewards offers two Visa Signature credit cards:

Annual Fee offer:

  • Earn 30,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $2,000 on purchases within the first 90 days of account opening
  • 5 points/$1 spent on every participating hotel stay.
  • 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®)4
  • 1 point/$1 spent on most everything else.
  • 6,000 Bonus Points on your account anniversary every year.
  • No foreign transaction fees
  • $75 annual fee, not waived the first year.

Free offer:

  • 15,000 bonus pointswith first purchase, plus an additional 3,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening.
    • Doctor of Credit tells us how to get this offer with a $50 statement credit instead of the additioinal 3,000 points.
  • 3 points per $1 spent on every participating hotel stay
  • 2 points per $1 spent on eligible gas, utility and grocery store purchases(excluding Target® and Walmart®)4
  • 1 point per $1 spent everywhere else
  • No foreign transaction fees
  • No annual fee

This flyertalk thread says that a 30,000 point offer comes and goes. On October 5, 2013, a reader told me the link in post #1 still works. When I tried it using my Firefox browser, I got only 18K and 12K offers. But when I tried in using InPrivate browsing with Internet Explorer, I got the 30K offer. Post number 17 in the Flyertalk thread suggests you can call 866-408-4064 to ask for this offer.

You can read about the Wyndham Rewards program on my Other Programs I Like page in the Points to Miles, esp. Hotels section.)

 

   
Best Western Gold Crown Club Mastercard     Best Western Gold Crown Club's regular offers for its credit cards:
  • There are now four offers, some free, some not. One offers the opportunity to earn 50,000 points, plus 20,000 more for a required big spend, annual fee waived the first year. Flyertalk wiki here.
For a quick, free infusion of extra Best Western points, consider acquiring American Express Cards that earn Membership Rewards points. The cards often waive the annual fee for a year, and then become prohibitively expensive. So cancel before the end of the first year. Actually using the card would be a very inefficient way of earning Best Western points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,000 Best Western points.

 

   
Ryanair Visa Card     Ryanair sponsors Visa credit cards in Europe.
  • No annual fee, though there is a stamp duty charged by the Irish Government on all Irish Credit Card accounts.
  • 1 - 5 bonus flights after minimum spends on the card.

 

   
  Cash Back Cards

Please distinguish between getting a credit card for its up front bonus and actually using the card after doing any up front spend required for the bonus. Often the cash back is worth more than the miles you would get from purchases on other cards. Personally, 2% or more is worth more to me than a mile, but you may value miles differently. See my Value of Miles section for help on this.

There are a great many cash back credit card offers. I don't intend to follow these closely or completely, since they don't offer miles. However, I describe my several of favorites below, either for their mega up front cash bonuses, and/or for purpose of comparison of cash back for purchase to the miles you would get from miles cards.

 

  
State Department Federal Credit Union 2% cash back   State Department Federal Credit Union Visa credit card
  • 2% cash back on all purchases.
  • $200 bonus cash rewards when you spend $3,000 within the first 90 days.
  • No annual fee.
  • No fee for foreign transactions.
  • Doctor of Credit tells us how everyone can get this card for free by first joining the American Consumer Council and entering consumer in the Promo Code box.

 

   
Fidelity® Rewards Visa Signature® Card 2% cash back   Fidelity® Rewards Visa Signature® Card
  • 2% cash back: For every $2,500 in purchases you make, you earn 5,000 points, which can be automatically redeemed for $50 into your eligible Fidelity account. Note that this means that you must spend at least $2,500 on the card to get a bonus.
  • You may deposit the money in most any Fidelity Account, including IRA and 529 plans. You must first have such an account. Before opening one, call 800-544-5315 to inquire about any special offers. Usually they have both free trades and cash bonus offers available.
  • No annual fee.
  • 1% fee for foreign transactions, giving you a 1% profit.

 

   
Citi® Double Cash Card     Citi® Double Cash Mastercard
Last I looked the offer included
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • $100 cash back bonus after $500 in purchases within the first 3 months of account opening
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
  • 3% foreign transaction fee.
This fatwallet discussion indicates that there are some targeted bonus offers for this card. Savorocity says that the best seems to be $200 after $1,000 in spend, as of September 21, 2014.

The terms and conditions on this card are very confusing. So I had a long conversation with Citi. I glean the following:

  • If, as you should, you pay off your account every month when due, you might have to put another charge on your account to get your cash back for payments. Very unclear.
  • You will get cash back for both purchases and payments. Each are accumulated separately from the "Purchase Tracker".
  • You must accumulate a minimum of $25 cash back to get it. Then you may request a check for at least $25 up to the total cash rewards balance at the time you redeem.

 

   
PayPal Cashback Mastercard    

PayPal Cashback Mastercard.
To find this card, log in to your PayPal account. If you don't see it immediately, click on Summary, the on the icon to the right.

  • 2% cash back on all purchases.
    Cash Rewards earned in any Reward Period will be made available via a credit to the Accountholder’s PayPal balance during the billing period after the Reward Period in which they are earned. To transfer Cash Rewards to your PayPal balance, log onto your PayPal Account, view your Cash Rewards in the Rewards Summary Page and transfer the amount you choose to your PayPal balance. Once transferred to your PayPal balance, Cash Rewards will then be available for use by you like any other PayPal balance, subject to terms and conditions of your PayPal Account
    .
  • No annual fee
  • 3% foreign transaction fee, so travel with another card.

 

   
Capital One® SparkSM Cash for Business    

Capital One Spark Cash for Business.
Check out current details of this offer and apply here. Last I looked the offer included

  • 2% cash back on every purchase, every day.
  • $500 cash bonus for spending $4,500 within the first 3 months.
  • Free employee cards.
  • I see no foreign exchange fee listed.
Do not confuse this with other Spark cards. You are looking specifically for "Capital One Spark Cash for Business".

 

   
PenFed Power Cash Rewards Card   PenFed Power Cash Rewards Visa Credit Card
  • $100 bonus when you spend $1,500 on the card in the first 90 days.
  • 2% cash back on all purchases. (Past or present military service or a PenFed checking account required.)
  • No annual fee.
  • You qualify for this card via Military service of the primary or joint applicant (active duty, reserve, honorably discharged, or retired) or you have and maintain a PenFed Access America Checking Account.
  • Fees are not listed in the usual way, so I am not sure if there a foreign transaction fee. Ask.
  • So a reader asked. He says
    I was curious. I called Pen Fed about the Power Cash card, as you were unsure if there was a foreign fee. There is not. The caveat he gave me is the Power Cash card has a requirement for a checking account or service (we knew that) but there is a $10 per month service charge on the checking account unless 1) you make automatic deposits totaling $500/month or 2) you keep a $500 balance in it, following a 90-day grace period. Another angle is that you can get a rebate check or a statement credit or even a transfer to your checking account, but you must log in or call to request it, rather than automatic redemption (which I prefer). Finally, if you already have a pen fed account, you can fill in the checking account application online or, of course, call them to get it started.

 

   
Blispay – 2% Credit Card    

Blispay – 2% Credit Card.

Doctor of Credit describes the Blispay Visa credit card offering 2% cash back on all purchases. The cash is deposited monthly to your account balance. Apparently you need a mobile phone to get this card. Not sure if that means smart phone.

 

   
Uber Visa Card    

Uber Visa Card.

  • 10,000 bonus points, redeemable for $100 in Uber credits, statement credits or gift cards after spending $500 on net purchases on your Uber Visa Card within the first ninety (90) days from the account open date.
  • 4% back/4 points for every $1.00 spent on net purchases made through UberEATS and at restaurants. Probably you could double dip at a Rewards Network (iDine) restaurant.
  • 3% back/3 points for every $1.00 spent on net purchases on airfare, hotels and vacation home rentals (including travel agencies and home share exchanges).
  • 2% back/2 points for every $1.00 spent on eligible digital net purchases which includes purchases that occur online or in a mobile device but not utilities or contracted services.
  • 2% back/2 points on video and music streaming services and Uber.
  • 1% back/1 point for every $1.00 spent on net purchases everywhere else.
  • up to $600 in supplemental insurance coverage against theft of, damage to or involuntary and accidental parting of your cell phone not otherwise covered by another insurance policy when you make your total monthly cell phone bill payment with your Uber Visa Card.
  • .
  • I am somewhat confused by this: Points can be redeemed for Uber credits directly in the Uber app. Points can also be redeemed for cash back or gift cards. All redemptions are at a 1% value.
  • No annual fee.
  • No foreign transaction fee.

 

   
Barclaycard CashForward World Mastercard   Barclaycard CashForward World Mastercard Please check out current details of this offer and apply here. Last I looked the offer included
  • $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption. If I understand this, this brings the up front cash bonus to $210 and increases the 1.5% purchase reward to 1.575%
  • 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. However, there is a 3% up front fee for balance transfers, so this is probably not a good dea.
  • No annual fee.

 

   
Wells Fargo Cash Wise Visa® Credit Card     Wells Fargo Cash Wise Visa Credit Card
Last I looked the offer included
  • $150 cash rewards bonus after spending $1,000 in net purchases in the first 3 months
  • Unlimited 1.5% cash rewards on everyday net purchases
  • 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening
  • 0% Intro APR for 12 months on purchases and balance transfers, after that the variable APR will be 13.24%-25.24%. Balance transfer is not recommended due to high fee.
  • Up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Credit Card
  • No annual fee

 

   
Wells Fargo Visa® Card for students     Wells Fargo Visa® Card for students
  • $150 cash rewards bonus after spending $1,000 in net purchases in the first 3 months
  • 3% cash rewards on gas, grocery, drugstore for first 6 months, 1% cash rewards on virtually all other net purchases
  • 0% Intro APR for 6 months on purchases and balance transfers, after that the variable APR will be 13.24%-25.24%. Balance transfer is not recommended due to high fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, after that the variable APR will be 13.24%-25.24%. Balance transfer is not recommended due to high fee.
  • No annual fee

 

   
Bank of America Cash Rewards Visa Card for students     BankAmericard Cash Rewards Visa Card for Students
  • $150 statement credit after $500 in purchases within 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. Balance transfer is not recommended due to high fee.
  • No annual fee
  • 3% fee for foreign transactions.

 

   
Capital One® Quicksilver® Cash Rewards Credit Card.     Capital One Quicksilver Cash Rewards Credit Card.
Check out current details of this offer and apply here. Last I looked the offer included
  • 1.5% cash back on every purchase
  • $150 bonus after you spend $500 on purchases within the first 3 months.
  • 0% intro APR on purchases and balance transfers for the first 9 months. Balance transfers are not recommended due to high fees.
  • No annual fee
  • I see no mention of a fee for foreign transactions.

 

   
U.S. Bank Cash+™ Visa Signature® Card     U.S. Bank Cash+™ Visa Signature® Card
  • Earn 5% cash back on two categories that you choose, like department stores, restaurants...plus many more. See my complete list below.
  • Earn 2% cash back on gas, groceries or restaurants - choose one
  • Earn 1% cash back on everything else
  • 5% cash back is earned on your first $2,000 in combined net purchases (purchases minus returns or credits) in your chosen 5% categories (purchases over $2,000 earn 1% cash back). 2% cash back is unlimited. All other net purchases earn 1% cash back.
  • No Annual Fee

To see all of the 5% and 2% categories from which you may (must) choose two each quarter, go to the usbank.com/cashplus page and click on "See how it works". Click on the Info link for each category to see the details and restrictions. When I first looked at this card that list was

  • Bill Payment - household phone, internet, cable/satellite TV, utilities and insurance. Purchases made outside of these specific categories do not qualify.
  • Department Stores. Examples include stores like Bloomingdale's, Macy's, Sears and Kohl's.
  • Restaurants
  • Home Improvement Stores. Examples include Lowe's, Home Depot, Menards and Ace Hardware.
  • Electronic Stores. Examples include Best Buy and American TV.
  • Airlines, Get cash back when you book your airline tickets directly with the airline (through its website, over the phone or in person); reservations made via online travel websites or travel agencies are not eligible.
  • Hotels. Get cash back when you book your reservations directly with the hotel (through its website, over the phone or in person); reservations made via online travel websites or travel agencies are not eligible.
  • Fast Food
  • Furniture Stores
  • Car Rental. Get cash back when you book your car rentals directly with the car rental agency (through its website, over the phone or in person); reservations made via online travel websites or travel agencies are not eligible.
  • Charity, Donate directly to non-political fund-raising organizations and social-service organizations, and you'll not only get a tax deduction but cash back too. Qualifying charities include advocacy groups, community organizations, and health agencies. Examples include organizations like the American Red Cross, United Way, Samaritan's Purse International Relief and Mercy Chefs.
  • Movie Theaters
You can choose to redeem your cash back as a deposit into your U.S. Bank deposit account (checking, savings or money market), statement credit or as a U.S. Bank Rewards Visa® Card.
  • An email from U.S. Bank dated October 16, 2012, clarifies this: "Rewards can be redeemed as a deposit into a U.S. Bank checking, savings, or Money Market account, as a statement credit, or as a U.S. Bank Rewards Gift Card."

If you choose to redeem your cash back as a deposit into your U.S. Bank deposit account (checking, savings or money market) or a Statement Credit, there is no minimum redemption. For redemption to a U.S. Bank Rewards Visa® Card, there is a $20 minimum redemption ($5 increments).

After redeeming $100 or more in single redemption, you will receive your $25 Cash+ Bonus Rewards Card in six to eight weeks. So be sure to redeem exactly $100.

 

   
Swagbucks Visa credit card   Swagbucks credit card
  • 1,000 Swag Bucks points after using your card or transferring a balance within the first 3 billing cycles
  • Additional 2,500 Swag Bucks points when you spend $1,000 within the first 6 billing cycles
  • 1.25 Swag Bucks points per Dollar spent.
  • No annual fee.
  • 0.00% introductory APR for the first 6 billing cycles.
  • Since a $5 Amazon gift card costs 450 Swag Bucks points, the 1,000 points bonus is worth $10 plus 100 points left over. The total 3,500 points are worth $35 plus 350 points left over. The 1.25 points/$1 spent are worth a bit less than 1.388 cents/$1 spent, which for many may be a very good value. See my Value of Miles section to do the comparison with miles producing credit cards.
  • Swagbucks offers points for doing the searches you would do anyway. Easy.
  • You can also get Swagbucks to enter Swagcodes (available several times a day - I show you how to find these automatically), doing a daily survey, watching videos, playing games, shopping, and doing many other things.
  • You may read more about Swagbucks on my Click for Miles, Money, and Good Causes page in the Click for Money section.
  • Please first sign up for the program using my link (helps me at no cost to you - thanks), then apply for the credit card. You can find it on the Swagbucks site by clicking on Discover at the top of the main page, then selecting Credit Card from the pull-down menu.

 

   
   

 

Chase Bank cards of interest.
Cash back cards.

 
    Ink Cash® Business Card
Last I looked the offer included
  • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
  • 5% cash back on the first $25,000 spent at office supply stores, and on cellular phone, landline, internet, and cable TV services each account anniversary year. Buying Amazon.com and other gift cards at office supply stores works very well.
  • 2% cash back on the first $25,000 spent at gas stations and restaurants each account anniversary year. You can probably stack the restaurant bonus with one from the Rewards Network programs.
  • 1% cash back on all other card purchases.
  • 0% introductory APR for 12 months on purchases and balance transfers. (The latter is not recommended, due to high fees.)
  • No Annual Fee
The cash back for this card comes in the form of points convertible to cash. But the points can be combined with the Chase Ultimate Rewards points earned from the Chase Sapphire Preferred (SM) Card, the Ink Plus® Business Card, or the InkBold Business card - if you have one of these cards.

 

   
  Chase Slate Visa

Looking for a free loan? The Chase Slate credit card offers 0% interest for balance transfers and purchases for 15 months and no balance transfer fee for the first 60 days. So put that large charge on a miles earning or cash back card, then transfer the balance to this one. Doctor of Credit describes the offer here. He says that the lowest approved FICO score is 622, so this might also be a good option for people rebuilding their credit reputation.

 

   
   

 

 American Express cards of interest
0% cards and cash back cards.

 
    Blue Cash Everyday Card from American Express.
  • $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive the $100 back in the form of a statement credit.
    • Try this link in a private window or in different browsers for a $200 cash back offer. Or click on the appropriate link on this page, again in a private window or in different browsers. Or try CardMatch for same.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases.
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 12 months. (The latter is not recommended due to high fees.)

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

 

   
   

The Plum Card® from American Express OPEN
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  • 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • This offer gets you an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back.
  • No Foreign Transaction Fees.
  • No annual fee for Employee Cards.
  • The $250 annual fee is waived the first year.

 

   
Costco Visa Card   Costco Anywhere Visa® Cards by Citi
  • 4% cash back on gasoline
  • 3% cash back on travel and restaurants.
    • A reader tells me: "Citi gives you 3% cashback on travel, including cruises. I’m not aware of a better cashback for cruises. Most of my other cards do not even include cruises in the travel bonus category. They also provide pretty good travel insurance. However, there are some limits to the travel insurance coverage, so one has to be careful with that."
  • 2% cash back on Costco purchases
  • 1% cash back on everything else
  • No annual fee with your paid Costco membership
   
   

 

 

 Capital One Credit Cards

 
Capital One Credit Cards   Best I can tell, all Capital One credit cards charge no foreign currency conversion fee. They even eat the 1% Visa charges them. But confirm this with the bank before you apply for a particular card. Call (800) 695-5500 for all cards, or (800) 867-0904 for small business cards - but please use my link below to actually apply for the card you want, as this would help me at no cost to you. Thanks. This foreign currency conversion benefit could change at any time, and may not apply to all cards.

People report on Flyertalk that the no foreign currently conversion fee works fine until Capital One's ultra sensitive fraud detection software shuts down your card unnecessarily. Then it is generally reported that it is nearly impossible to re-activate your card from a country other than the U.S. But they also report that the security system ultimately gets used to your foreign travel and stops blocking foreign transactions. But always carry a backup card it you are planning to use a Capital One card in a country outside of the U.S. My S.O. has been using her Capital One card in foreign countries. She always tells the bank in advance when and where she will be traveling. Over several years of foreign travel she has never had a charge blocked.

Capital One Spark Cash for Business.
Check out current details of this offer and apply here. Last I looked the offer included

  • 2% cash back on every purchase, every day, making it quite competitive with the Fidelity card.
  • $500 cash bonus for spending $4,500 within the first 3 months
  • Free employee cards.
  • The $59 annual fee is waived the first year.
Do not confuse this with other Spark cards. You are looking specifically for "Capital One Spark Cash for Business".

Capital One Quicksilver Cash Rewards Credit Card.
Check out current details of this offer and apply here. Last I looked the offer included

  • 1.5% cash back on every purchase
  • $150 bonus after you spend $500 on purchases within the first 3 months.
  • 0% intro APR on purchases and balance transfers for the first 9 months. Balance transfers are not recommended due to high fees.
  • No annual fee
  • I see no mention of a fee for foreign transactions.

Journey Student Rewards from Capital One

This card looks like a good option for students trying to build a good credit history. Check out current details of this offer and apply here. Last I looked the offer included

  • 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time has.
  • No annual fee
  • No foreign currency transaction fee
  • Access to your monthly credit score
  • An interactive tracking tool to help monitor your credit

Capital One Platinum Credit Card

This card looks like a good option for people trying to build a good credit history. Check out current details of this offer and apply here. It has no annual fee.

 

   
  Sierra Club Platinum Visa
  • $0 introductory balance transfer fee for transfers made at the time of application. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 12 months on purchases and balance transfers. After the first 12 billing cycles, a variable APR of 9.99% - 17.99% will apply to purchases and balance transfers, based on your credit worthiness.
  • No annual fee
  • Earn reward points for purchases. I leave it to you to read about that program. I doubt that it is attractive.

 

   
HSBC Gold Mastercard   HSBC Gold Mastercard
Please click here to see the details of this card. Last I looked it offered no bonus, but
  • 0% interest for 18 months on purchases and balance transfers. The latter is not recommended because it has a steep fee.
  • $0 Annual Fee
  • No Foreign Transaction Fees
  • Extended Warranty for your purchases
  • Purchase Assurance for damage or theft
  • Price protection refunds
   
Deserve Mastercard for students   Deserve Mastercard for college students
  • 1% Cash Back on all Purchases
  • Amazon Prime Student on us for one year
  • $0 Annual Fee
  • No Deposit or Cosigner Required
  • U.S. Citizenship is not required for a Deserve Mastercard
   
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