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
If you don't see the offer, clear cache and cookies and/or open the page in a private or InPrivate window.

This reddit discussion, started on June 25, 2016, shows us how we might get a 25,000 points offer. I found it using an I.E. InPrivate window.

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

10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases within the first 3 months.†

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
Please check out current details of this offer and apply here. Last I looked the offer included
  • Limited time offer: 10,000 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
Please check out the current details of this offer and apply by clicking on the link to the 10K offer above, clicking on Apply Now, then clicking on Looking for a card with even more benefits? Check out the JetBlue Plus Card! Thanks. Last a looked the offer included
  • 30,000 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
  • 50% savings on eligible inflight purchases
  • $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

 

   
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.

Hilton HHonors™ American Express card

  • Limited time bonus: 80,000 points after you spend $2,000 in purchases on the card within your first 3 months of card membership. Offer ends December 31,2017. After then the offer will probably default to a 50K offer with a $1,000 spend requirement.
  • 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
  • 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™ Surpass® Card from American Express

  • 100,000 Hilton HHonors™ Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership. If you see a lesser offer, try opening the link in a private window.
  • 12 Hilton HHonors Bonus Points for each dollar of eligible purchases charged directly with a participating hotel or resort within the Hilton HHonors portfolio of brands‡
  • 6 Hilton HHonors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3 Hilton HHonors Bonus Points for all other eligible purchases on your Card‡
  • Airport Lounge Access: Access to over 600 airport lounges around the world with complimentary Priority Pass™ membership, valued at $99. With this complimentary membership, all lounge visits are subject to a fee of U.S. $27 per person per visit.
  • Enjoy complimentary Hilton HHonors Gold status with your Card.
  • Annual Membership Fee: $75

Hilton's standard credit card offers are listed here, including offers for countries other than the U.S. For the U.S., there are usually better offers, which I list above when I find them. You are welcome.

 

   
InterContinental Hotels Group IHG® Rewards Club Mastercard     InterContinental Hotels Group (formerly Six Continents) IHG® Rewards Club (formerly Priority Club) offers bonus points for applying for its no annual fee Mastercard and using it once. See the offers I list below. 10,000 points can be converted to 2,000 miles on a large number of airlines. But for hotel stays, especially in expensive places in Europe, I have found that using the points for award stay is much more lucrative. There are Holiday Inns most anywhere in the world.

Particularly efficient use of miles comes from the 5,000 point stays available on the IHG® Rewards Club PointBreaks page.

You may read about the IHG® Rewards Club program in the Points to Miles section of my Other Programs I Like page.

Use of the card provides only one point per dollar spent, which is worth only 1/4 mile, and you must earn another 10,000 points to obtain more miles. However, if you frequently stay at InterContinental Hotels Group properties (Holiday Inn, Crowne Plaza, and Staybridge Suites), IHG® Rewards Club members can accumulate points for free airline tickets, which may be a better deal than converting to miles, depending on the type of ticket you want.

For a quick, free infusion of extra IHG® Rewards Club 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 IHG® Rewards Club points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,000 IHG® Rewards Club points.

Note: Those seeking IHG® Rewards Club points should consider also acquiring cards earning Ultimate Rewards Points. Nice mega up front points, convertible to IHG® Rewards Club points 1,000:1,000, nice bonuses for purchases in special categories, and the annual fee was waived for the first year.

  • First sign up for IHG® Rewards Club (free) and copy your membership number.
  • I and many other IHG® Rewards Club credit card holders have received a paper mail flyer saying that I will have Platinum Status as long as I keep my card. Platinum status allows you to have the best available room when you arrive at your hotel. The Jr. Suite at one of my Holiday Inn hotels in Italy was a very nice upgrade over the usual tiny European rooms. The status also give you a 50% bonus for base points for paid stays, and guaranteed room availability within 72 hours advanced notice except during special events.

This flyertalk wiki does a good job of tracking IHG credit card offers.

IHG Rewards Club Select Credit Card 80,000 points offer

  • 80,000 points for for spending $1,000 on the card in the first three months.
  • This reddit post suggests you might see a 100,000 points offer if you log into your IHG account and look under your points balance.
IHG Rewards Club Select Credit Card 60,000 points offer
  • 60,000 points for for spending $2,000 on the card in the first three months.
    • Better offer: The same 60K as above, plus a $50 statement credit. Be sure to take a screen shot of the Offer Details.
    • Or try this: The same 60K offer plus 1,000 points just for applying.
    • Or this: 50K points plus a $100 statement credit.
5,000 points for adding an authorized user
The $49 fee is waived the first year.
10% points rebate on IHG® Rewards Club awards, up to 100,000 points per calendar year.
5 points/$1 spent at IHG® Rewards Club hotels.
2 points/$1 spent on gas stations, grocery stores and restaurants.
1 point/$1 spent on most everything else.
No foreign transaction fees.
Platinum Elite status for as long as you hold the card. Platinum status provides free upgrade to the best available room upon arrival. This has been quite valuable to me for upgrading tiny European rooms into very nice suites.
Free night certificate annually after you pay the fee. (Such a deal for $49, especially for rooms in pricey locations in places like Europe. I used my last one in expensive Zurich.)

Doctor of Credit tells us that we might be able to get the 60k offer, then call to get an extra 20k by secure messaging to Chase.

Non-U.S. offers:

  • Canada: 60,000 first purchase bonus points, but with a steep $120 annual fee, not waived the first year.
  • United Kingdom. 10,000 and 20,000 Bonus Points offers as of October 1, 2013.
  • China. I am told that the offer is 10,000 Bonus Points, but I am unable to read the Chinese.

 

   
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:

  • 30,000 bonus points with first purchase or balance transfer, plus: 15,000 additional points after you spend $1,000 on purchases within the first 90 days of account opening.
  • 5 points/$1 spent on every participating hotel stay.
  • 2 points/$1 spent on most everything else.
  • 6,000 Bonus Points on your account anniversary every year.
  • $69 annual fee

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 everywhere else
  • 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.

 

   
La Quinta Hotels Visa Card     La Quinta offers a Visa credit card
  • 20,000 bonus points after first purchase.
  • 20,000 more points after $10,000 in total spend within the first 12 billing cycles after account is opened.
  • 5 bonus points/$1 spent at La Quinta properties in addition to the regular points you would earn for stays.
  • 2 points/$1 spent on gasoline, dining, and car rental. See the terms and conditions for details on this bonus.
  • 1 point/$1 spent on most everything else.
  • No annual fee.

See the Points to Miles, esp. Hotels section of my Other Programs I Like page for details of the La Quinta program.

 

   
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.

 

  
PenFed VISA Platinum Gas/Cash Rewards Card

 

PenFed Visa® Platinum Cash Rewards Card

You can earn 5% cash back on gas purchases paid at the pump and avoid an annual fee by obtaining a qualifying PenFed product:

Active checking account with direct deposit ($250 min.)
Money Market Certificate or IRA Certificate
Mortgage
Installment loan
Equity Loan or Equity Line of Credit with a balance
Thrifty Credit Service
Personal Line of Credit
Education Line of Credit
Money Market Savings Accounts

I simply opened a $25 minimum Money Market Savings Account

  • No Annual Fee
  • No foreign currency exchange fee. This is huge for foreign travel. Most cards charge 3%.
  • This card is available as what they call a Chip Enabled card. To get it in this form you are required to provide a PIN, so I assume this is a true Chip and PIN card. To convert your current card to a Chip card, log into your PenFed account, then Click on the Credit Cards tab, then under your credit card listings click on the + at More account info and actions, then then click on Convert to a Chip Enabled Card.
  • Up to $50,000 limit
  • Note the huge advantage that this card has over other cash back cards: You get your money credited to the statement on which the charges appear. There is no minimum amount you must accumulate to get your money.
  • I use this card for gasoline purchases. I use it for foreign travel when I don't happen to have a miles or points earning card that doesn't charge a foreign transaction fee, or for simply a backup.
In order to obtain this wonderful card you must first be a member of the Pentagon Federal Credit Union. Anyone can join this credit union, one way or another. See the large list of ways to be eligible. The easiest seems to be "I belong to the following association or organization", which apparently includes donating blood to the American Red Cross. See below. Also, you are already eligible if you or a family member or house mate work for the federal government or have most any association with the military or a company working for the military or belong to one of a very large number of organizations or work for one of a large number of employers. If none of these apply to you, you can become eligible by joining the National Military Family Association (one time tax deductible $20 fee) or Voices for America's Troops (one time $15 fee, not tax deductible). Anyone can join these.

To join the credit union:

  • Click on the Join Now link.
  • Click on the link for your option.
    • Note that the option "I belong to the following association or organization" includes the American Red Cross. Last I was able to find this, belonging to that organization included "Employees and Volunteers. A volunteer is defined as anyone who provides wealth wisdom, or work. Wealth can include a blood donation or a financial donation." Choosing that option brings you to the application page. I see no further questions on that page about your affiliation with the Red Cross.
    • If none of the options apply to you, click on "None of the Above" and then chose one of the organizations. You need join for only one year. You need not renew in subsequent years.
    • Joining also involves a $5 deposit to a PenFed account that earns a minuscule amount of interest. You can then apply that interest to your credit card balance on PenFed's website.

 

   
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
  • It has no annual fee.

 

   
Barclaycard Arrival World MasterCard     Barclaycard Arrival Plus™ World Elite MasterCard®
Check out current details of this offer and apply here. Last I looked the offer included
  • 50,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Chip card
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary.
  • Get 5% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees
  • Complimentary online FICO® Credit Score access

The annual fee is $89 - Waived first year

Complimentary TripIt© Pro mobile travel organizer subscription

Earn Participation Miles at the Barclaycard Travel Community for your community activity, such as posting a story with a photo or kudoing another member's story. Once you link your Barclaycard Arrival account to your Travel Community profile, any miles you earn will be transferred to your Barclaycard Arrival account each month.

The Card is a Chip and signature card with PIN capability (EMV- Europay, MasterCard and Visa). Explanation here.

The "miles" really aren't. They are not transferable to any airline miles. However, they can be converted to a statement credit for travel purchases at 1¢/mile, meaning you get $400 for doing the minimum purchase requirement, plus another $40 worth of miles for the 10% rebate. Travel purchases are defined as purchases from "Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways and Car Rental Agencies." "Miles" can also be redeemed for cash at an undefined rate. One blogger says that rate is 1¢/2 "miles".

Miles are not redeemable for less than 2,500 miles. Caution: Your "miles" may be forfeited if you or Barclays closes your Barclaycard Arrival™ World MasterCard® for any reason. So to cancel to avoid the annual fee, you must first use your "miles". Million Miles Secrets has some excellent suggestions on how you might deal with this problem, including buying gift cards directly from airlines or hotels, trying to downgrade your card to the no fee card described below (may not work), booking a refundable airline ticket (not sure if this will work, as the refund from Barclays might be clawed back after your card is credited), and buying a Southwest Airlines ticket - he says that if you cancel any paid Southwest ticket, you don’t pay any change fees and get a credit for travel on Southwest which you have to use within 1 year. On of his readers suggests "How about treating a significant other (or himself) to a great weekend at an area hotel?"

 

   
USAA 2.5% cash back   Doctor of Credit tells us about a USAA credit card offering 2.5% back on all purchases. On October 3, 2016, is was available only in LA, NM, KS and ID. Please tell me when the offer changes or disappears. Thanks.

 

   
Fidelity® Rewards Visa Signature® Card 2% cash back   Fidelity® Rewards Visa Signature® Card
  • Special offer: All of the below, plus $100 bonus after you make at least $1,000 in purchases within the first 90 days. The $100 bonus is awarded as 10,000 points. This offer is still online, but the fine print says it expires June 30, 2017. So on July 7, 2017, I called 888-325-6196 to find out about this. I was told then that there was a 10,000 points offer still available. Please tell me when this offer is gone. Thanks.
  • 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*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness. I do not recommend doing a balance transfer on this or any other credit card.
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, redeem for a statement credit to your Card Account for at least $25 up to the total cash rewards balance at the time you redeem, or redeem for a gift card in set denominations from the available inventory.

 

   
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.
  • 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".

 

   
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.

 

   
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

 

   
Bank of America Cash Rewards for Business MasterCard     Bank of America Cash Rewards for Business MasterCard
Last I looked the offer included
  • $200 statement credit after $500 in purchases within 60 days of account opening
  • 3% cash back on purchases at gas stations and office supply stores
  • 2% cash back on purchases at restaurants
  • 1% cash back on all other purchases
  • Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that
  • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account
  • No annual fee

 

   
Bank of America Cash Rewards MasterCard     BankAmericard Cash Rewards Credit Card
Last I looked the offer included
  • $150 statement credit after $500 in purchases within 60 days of account opening
  • 3% cash back on purchases at gas stations
  • 2% cash back on purchases at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that.
  • 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.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • No annual fee
  • 3% fee for foreign transactions.

 

   
PenFed Defender Visa Signature® Card.     PenFed Defender Visa Signature® Card.
  • 1.5% cash back on every purchase
  • Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply.
  • Absolutely no fees.
  • Access special offers from major retailers. Inside connection to exclusive ticket pre-sales, special stay-and-play packages and exclusive ticket discounts. Plus get access to premier golf benefits, sporting events & complimentary wine tastings.

 

   
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
  • Doctor of Credit says that the bonus will be $500 for applications in Chase branch offices only starting March 12, 2017, at least for some customers.
  • 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 Freedom® Visa

    I list this card because its points can be combined with Chase Ultimate Rewards points earned from the Chase Sapphire Preferred (SM) Card or the Ink Plus® Business Card if you have one of these cards, and because it has no annual fee, a nice cash bonus, and a nice 0% interest rate offer.

    Last I looked the offer included

    • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Some are finding a better offer ($300 or $325) at their Chase branches.
    • 5% Cash Back on up to $1,500 in combined purchases at select categories each quarter. New categories every quarter, which you must activate.
    • 1% cash back on most all other purchases
    • 0% Intro APR for the first 15 billing cycles on purchases and balance transfers. (The latter is not recommended due to high fees.)

    The cash back is in the form of points convertible to cash. There is probably a minimum for conversion, but this is not mentioned in the description of the offer. It does say you can convert the points you get for the $500 minimum spend into $100 cash.

     

       
      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.

     

       
       

     

     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 $250 cash back offer. Or click on the appropriate link on this page, again in a private window or in different browsers.
    • 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
    If you can't see the application page, clear cookies and cache and/or use a private browsing window and try again. This is quite normal.

    • 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
    • $100 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.

     

       
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