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 are Free or 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:
  • 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 and MasterCards. 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.
  • Marriott credit cards offer both free and annual fee credit cards.

 

   
CapitalOne Miles credit cards     CapitalOne offers credit cards that earn CapitalOne "miles", which transfer to real airline miles to a large number of airlines, usually at a ratio of 1,000:750. This means you would be earning 1.5 airline miles per $1 spent, which is better than most airline cards. Here is a list of transfer partners as of March 20, 2020. It appear that we could transfer in such a way that would get us a ticket on a partner of any alliance, which means on most any major airline. You may see the current list of airlines by clicking here, then on the i in the Transfer Your Miles section.
  • Aeromexico
  • Air Canada (Aeroplan)
  • Air France & KLM (Flying Blue)
  • Alitalia
  • Avianca
  • Cathay Pacific
  • Emirates
  • Etihad
  • EVA Air
  • Finnair
  • JetBlue
  • Qantas
  • Singapore Airlines
Also hotel partners
  • Accor Live Limitless

Capital One Venture Rewards Credit Card

  • Earn 1.25 miles per $1 on every purchase, every day.
  • 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • No annual fee
  • There's no limit to the amount of miles you can earn
  • No foreign transaction fees.

Capital One Venture Rewards Credit Card

  • Earn 2 miles per $1 on every purchase, every day.
  • 40,000 miles once you spend $3,000 on purchases within 3 months from account opening.
  • $0 intro for the first year, $95 after that.
  • There's no limit to the amount of miles you can earn
  • No foreign transaction fees.
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that.

Capital One Spark Miles for Business credit card

  • 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Earn 2 miles per $1 on every purchase, every day.
  • Capital One miles are transferable to many airlines, usually at a ratio of 2 Capital One Miles to 1.5 airline miles.
  • Receive up to $100 for the TSA Pre✓® application fee or the Global Entry application fee.
  • 5X miles on hotel and rental car bookings through Capital One Travel℠
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy.
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • No foreign transaction fees.

 

   
American Express EveryDaySM cards     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 I can refer you to a 15,000 points offer. Click here, then go to bottom of page. Click on Reward Points. Find the offer.

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.

  • Caution: I received an IRS form 1099 for the points I earned in 2018 for referrals. It valued the points at 1 cent each. Multiply this by your marginal tax rate to see what the points will cost you.

 

   
Amtrak Credit Cards     Amtrak offers two credit cards, one free, and one with an annual fee of $79. Both offer not particularly impressive up front bonuses.
  • Amtrak offers a $100 statement credit and 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening for its no annual fee Mastercard. Doctor of Credit suggests waiting for a better offer.

 

   
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 7 free stays with some leftover if you accept the 75K credit card offer.

On March 27, 2019, Hilton was offering $100 credits for some of its credit cards from links seen when making a dummy reservation. The links appear as banners on the payment page. You do not have to pay for (and therefore do not have to reserve) a stay. I saw different offers using private and non-private windows, and from https://www3.hilton.com/en/index.html and https://hiltonhonors3.hilton.com/en/index.html, one for the free standard offer, one for the $95 Ascend offer, and one for the $95 business card. For the latter, click on the tab on the offer page for the personal card you get. All offered mega points bonuses. I had to first log in to see the offers.

  • The Hilton Honors American Express Card.
    • The standard offer is usually 75,000 points after you spend $1,000 in purchases on the card within your first 3 months of card membership. But try this link or this link to find a better offer. If that doesn't work, my referral link will get you 75K. Using it will help me at not cost to you. Thanks. Also, try opening the standard link on the Amex website in a private window to see what you get.
    • Both of the above offers contain the language
      Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.
      But Points with a Crew says there is a 75k offer that does not have this language. Comments say that it might be available even if you already have this card. But he also says that there is risk to this offer, as Amex is showing sensitivity to this sort of behavior by those of us who are particularly greedy for points an miles. (Hmm. Could that be all of my readers? Nah.)
    • Doctor of Credit says you can find a 75K plus an extra $50 bonus statement credit offer by doing a dummy booking at Hilton.com.
    • 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.

    Hilton HHonors American Express Business credit card

    • The usual offer above is 125,000 Hilton HHonors bonus points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. But try here for a 130,000 points offer.
      • I can refer you to the same 125K offer. This helps me at no cost to you. Click here. Thanks.
      • Doctor of Credit says that you can get 125,000 points plus an extra $50 bonus statement credit 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 (varies, but up to 150,000 points) are listed here. You might like the Hilton Honors American Express Surpass Card with possibly 150,000 Hilton Honors Bonus Points after you spend $3,000 or more in eligible purchases on your card within your first 3 months of card membership on the card plus other goodies for a $95 annual fee. Or please use my referral link to a 125,000 points offer, or to the Aspire card. This way helps me at no cost to you. Thanks. Since the regular card is free and helps maintain your Hilton points account, I would first try to get the regular card, as the Ascend or Aspire cards will charge a fee annually.

 

   
Choice Privileges Visa Card     The Choice Privileges® Visa® Card
  • 50,000 bonus points after spending $1,000 in the first 90 days. Details.
  • If that doesn't work, earn 32,000 bonus points after spending $1,000 in the first 90 days. Details.
  • Earn 15 points per eligible $1 spent on completed stays at eligible Choice Hotels
  • 5 points per eligible $1 spent on the purchase of Choice Privileges® points or Choice Hotels gift card purchases. (35K offer only)
  • 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, Rodeway Inns, and many others). 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:

  • 15,000 bonus points after your first purchase or balance transfer. Plus, earn an additional 15,000 bonus points after spending $1,000 on purchases or balance transfers 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.
  • Platinum status
  • 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.

 

   
Amex Blue BusinessSM Plus Credit Card     The Blue Business Plus Credit Card from American Express
  • I can refer you to the same card with an offer of 10,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
    • Open this page in a private window.
    • Scroll to the bottom of the page and click on Looking for a Business Card
    • Find the offer you want.
  • 2X Membership Reward® points on the first $50,000 spent each calendar year, with no category restrictions. 1X Membership Reward® points on purchases thereafter.
  • 0.0% introductory APR on purchases and balance transfers for 12 months. The latter is not recommended, because of the 3% fee.
  • No annual fee. But there is a 2.7% foreign transaction fee.

 

   
  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 and my explanation of the Opportunity Cost of Miles 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.

 

  
Tropical Financial Credit Union 3% Cashback Mastercard Credit Card   Topical Financial Credit Union credit card for residents of Florida
  • 3% cash back on all purchases
  • No annual fee.

 

   
HSBC Cash Rewards Mastercard® credit card   HSBC Cash Rewards Mastercard® credit card.
  • 3% cash back on all purchases in your first year up to $10,000 spent. After that, earn 1.5% cash back on all purchases.
  • 0% intro APR for 12 months from account opening on purchases and balance transfers. The latter is not recommended because of the 4% fee.
  • No annual fee.
  • No fee for foreign transactions.

 

   
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
  • Special offer. Receive 15,000 Bonus Points, which equals $150 cash back, when deposited into an eligible Fidelity account—after you make at least $1,500 in eligible purchases within the first 90 days of account opening. The offer says you must apply by December 31, 2020. Ask.
  • 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 Card
  • 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
  • 3% foreign transaction fee.
  • It is my understanding that when redeeming cash back you should NOT have it applied as a statement credit but direct-deposited into your bank account. The statement credit does not count as “1% when you pay” so you’d be missing out on the other 1% for the amount you redeem.
  • Using my link helps me at no cost to you. Thanks.

 

   
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. Last I looked the offer included

  • 2% cash back on every purchase, every day.
  • $500 cash bonus when you spend $4,500 in the first 3 months of opening your account.
  • Free employee cards.
  • I see no foreign exchange fee listed.
Do not confuse this with other Spark cards.

 

   
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.

 

   
Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card     Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card
  • Membership required, open to military active duty (including reservists), retired, and veterans, and family members of same, even if the person who would be eligible diseased.
  • 50,000 bonus points after spending $4,000 in the first 90 days of opening your account
  • 3X points for travel expenses, which includes many leisure/entertainment categories. Doctor of credit defines these. I can't find that definition.
  • 2X points on everything else.
  • Points can be converted to cash at 1 cent each in $50 increments.
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓
  • No foreign transaction fee.
  • $49 annual fee, waived the first year. This means the break even spend amount for travel after the first year over a regular 2% cash back card is $4,900.

 

   
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.

 

   
Chase Freedom Student Card     The Chase Freedom Student Visa card offers
  • A $50 signup bonus after making your first purchase within 3 months
  • A special Good Standing reward of $20 (2,000 Ultimate Rewards points) for 5 years at the account anniversary date, as long as the card is open in good standing (no other requirement for this bonus)
  • 1% cash back on all purchases

 

   
Journey Student Rewards from Capital One    

Journey Student Rewards from Capital One

  • 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

 

   
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.

 

   
   

 

Other Chase Bank cards of interest.
Cash back cards.

 
    Ink Business Cash Credit 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 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • 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.

 

   
   

 

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

Free Loan: I can refer you to several free loan cards from American Express - 0% interest on purchases for a specified period of time. All have better offers that the standard ones. Some include cash or points back offers.

  • Click here
  • Go to the bottom of the page and click on "0% Intro APR"
  • Scroll to the the card you want.
  • Click on "Continue to Card Details".
 
    Blue Cash Preferred Card from American Express.
Even though this is not a free card, I list it here because after the cash back, it becomes most competitive with the Blue Cash Everyday Card.
  • You might see a $300 back after you spend $1,000 on purchases on your new Card in your first 3 months. by clicking here or here, perhaps in a private window.
    • If that doesn't work, try this link for $250 cash back.
  • Earn Cash Back:
    • 6% at U.S. supermarkets on up to $6,000 per year in purchases
    • 6% at select U.S.streaming services
    • 3% at transit services (including tolls!).
    • 3% at U.S. gasoline stations
    • 1% on other purchases.
    • $95 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.

     

   
    Blue Cash Everyday Card from American Express.
  • $200 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. But caution: The page I get says "This offer may not be available if you leave this web page and return later." If the offer disappears, try this link for a $150 offer.
    • I can refer you to the same card with a $150 cash back offer. Click here, then go to the bottom of the page and click on Cash Back. Then find the offer you want.
  • 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.

 

   
    American Express Cash Magnet Card.

The standard offer is $150 cash back plus the goodies below. And maybe more from the link above.

Free loan: 0% intro APR on purchases and balance transfers for 15 months. (Balance transfers are not recommended due to the high fee.)

1.5% Cash Back on your purchases

2.7% foreign transaction fee.

No annual fee

 

   
   

The Plum Card® from American Express OPEN
I can refer you to the same offer with a $600 cash back offer:

  • Click here
  • Go to the bottom of the page and click on "Looking for a Business Card?"
  • Find the card you want.
  • Click on "Continue to Card Details".
  • Pay Early: Get a 1.5% early pay discount with no cap
  • No Foreign Transaction Fees.
  • No annual fee for Employee Cards.
  • The $250 annual fee is waived the first year. If you don't intend to spend that much money on the card, please use my referral link to apply for it. This helps me at no cost to you. Thanks.

     

  •    
    Sam's Club Mastercard   Sam's Club Mastercard
    • 5% cash back on gasoline on the first $6,000 per year, then 1% after.
    • 3% cash back on travel and dining.
    • 1% cash back on everything else
    • No annual fee
    Near the bottom of the page there is a link to a business version of this card.

     

       
    Costco Visa Card   Costco Anywhere Visa Card by Citi
    • 4% cash back on gasoline up to $7,000/year.
    • 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
    There is a business version of this card with the same features.

     

       
    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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