Jan 2, 2017, 9:16 am
Last edit by: yugi
Ways to get high rewards or bonus on credit card spending:
1. sign-on bonus, miles, UR or MR points, free nights and cash rewards
2. on-going rewards, points or cashback
3. spending bonus for extra points/$ or status, like spending $10,000 to get extra 20k points etc.
Cards with large spending bonus: (alphabetical)
AmEx Delta Skymiles Gold: $25,000 MQD waived for elite status
AmEx HH Ascend: $40,000 to Diamond
Barclay Aviator Red: $25,000 for $3,000 EQD
BofA Merrill +: $50,000 for additional $200 travel credit
Chase Ritz Carlton: $10,000 to renew Gold status. Subject to change from 8/1/2018
Chase United MileagePlus Explorer: $25,000 for 10,000 United miles
A lot more to list...
Cards that earn better than 1 airline mile (or points convertible 1:1 to airline miles) per dollar: (alphabetical)
Amex Blue Business Plus - 2x MRs on up to $50k per year. No AF, FTF.
Amex Blue for Business - 1.3x MRs (Another card needed in order to transfer, such as Amex ED/EDP/PRG/BGR/Plat etc). No AF, FTF. Discontinued, replaced by BBP.
Amex Business Platinum - 1.5x for charges over $5,000 up to 1M extra points ($2M spend) AF $450, no FTF. Many other perks.
Amex EveryDay - 1.2x if you make 20+ charges per cycle. No AF, FTF.
Amex EveryDay Preferred - 1.5x if you make 30+ charges per cycle. AF $95, FTF.
Bank of America Virgin Atlantic MasterCard - 1.5x VS miles, 2x if you spend $15k per year, 2.1x if you spend $25k per year. AF $90, no FTF.
Bank of America Air France KLM Mastercard - 1.5x AF miles. AF $89, no FTF.
Barclaycard Arrival Premier - 1.43x for all partners except JAL, AC (1.18x). You will get 2.14x on all partners except JAL, AC (1.76x), if you spend $15k or $25k per year. AF $150, FYF, no FTF. Discontinued.
Capital One Venture X Visa - 2x on all partners, except Accor and EVA. AF $395, no FTF, many other perks.
Capital One Spark Miles Business Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture One Visa - 1.25x on all partners, except Accor and EVA. no AF, no FTF.
Capital One Spark Miles Select Business Visa - 1.5x on all partners, except Accor and EVA. No AF, no FTF.
Chase Freedom Unlimited Visa - 1.5x URs (Another card needed in order to transfer, such as CSR/CSP/Ink Plus/Ink Bold/Ink Preferred). No AF, FTF.
Chase Ink Unlimited Business Visa - 1.5x URs, Same as Freedom Unlimited
Citi Double Cash MC - 2x TYP. You need a premium Citi card, (Premier, Prestige or Chairman) to transfer to partners other than JetBlue at 1:1 ratio. No AF, FTF.
Cards that earn hotel points
Amex Hilton Honors - 3x HH points, no AF, no FTF
Amex Hilton Honors Surpass - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Business - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Aspire - 3x HH points, AF $450, no FTF, lots of perks.
Amex Bonvoy - 2x Marriott points. AF $95, FYF, no FTF. Discontinued.
Amex Bonvoy Business - same as Amex Bonvoy. AF $125, no FTF.
Amex Bonvoy Brilliant - same as Amex Bonvoy. AF $450
Barclaycard Choice Privileges Visa - 2x on everything. No AF, FTF.
Barclaycard Wyndham Rewards Visa - 2x (grandfathered versions 2x on everything). AF $69/$0, FTF.
Chase Bonvoy Boundless Visa - same as Amex Bonvoy.
Chase IHG Traveler MC - 2x on everything. No AF, no FTF.
Chase IHG Premier/Premier Business MC - 3x on everything. AF $99, no FTF.
Chase Ritz-Carlton Visa Infinite - same as Amex Bonvoy. AF $450, no FTF. Discontinued, but can be obtained via PC from another Chase Bonvoy card.
FNBO Best Western Rewards Premium MC - 2x BW points. AF $59, no FTF
FNBO Best Western Rewards MC - 2x BW points. No AF, no FTF
2%+ Cashback Cards: (by % amount)
US Bank Altitude Reserve Visa - 4.5% towards travel (cashout possible), if you use Android Pay, Samsung Pay, Apple Pay or LG Pay for in-person, in-app or online purchases. AF $400, no FTF, many other perks.
Barclaycard Priceline Rewards Visa (grandfathered 2x/5x version) - 3.33% if redeemed against Priceline or travel purchases, 2% if redeemed for everything else. No AF, no FTF.
AOD CU Visa Signature - 3% on everything. No AF, no FTF. Discontinued.
Synchrony Paypal Cashback Mastercard - 3% if paid with Paypal, 2% everywhere else, no AF, FTF.
Barclaycard Arrival Premier MC - 3% if you spend exactly $15k or $25k, 2%, if you spend less than $15k. AF $150, FYF, no FTF, some perks. Discontinued.
Bank of America Travel Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. No AF, no FTF.
Bank of America Premium Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $95, no FTF, some perks.
Bank of America Premium Rewards Elite Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $550, no FTF, many other perks.
USAA Limitless Cashback Rewards Visa - 2.5% (must be USAA member, with $1k direct deposit per month). no AF. Discontinued.
Alliant Cashback Visa Signature - 2.5% up to $10k per cycle, if you have $1k on your checking account. No AF, no FTF.
Barclaycard Arrival Plus MasterCard - 2.1% if you redeem for travel purchases. AF $89, no FTF. Discontinued.
Discover it Miles - 3% (first year only, 1.5% after that). No AF, no FTF.
Exactly 2% Cashback Cards: (alphabetical)
Amex Blue Business Cash - 2% on up to $50k per year. No AF, FTF.
BBVA Compass Rewards Visa - 2%, if you receive $1000 in direct deposits per month to checking account. No AF.
Blispay Visa - 2%. No AF.
Citi Double Cash MasterCard - 2%. No AF, FTF.
Capital One Spark Cash Business Visa - 2%. AF $95, FYF, no FTF.
Capital One Spark Miles Business Visa - 2% if redeemed for travel. AF $95, FYF, no FTF.
Capital One Venture Visa - 2% if you redeem for travel purchases. AF $95, FYF, no FTF.
Capital One Venture X Visa - 2% if you redeem for travel purchases. AF $395, no FTF, many other perks.
Fidelity Rewards Visa - 2%. No AF.
PenFed Power Cash Rewards Visa (with Honors Advantage) - 2%. No AF, no FTF.
PNC Premier Traveler Visa - 2% if you redeem for travel purchases. AF $85, FYF, no FTF.
State Department Federal CU Premium Cashback+ Visa - 2%, no AF, no FTF.
Synchrony Paypal Cashback MC - 2% for non-PayPal purchases, no AF, FTF.
Too many to list.
1. sign-on bonus, miles, UR or MR points, free nights and cash rewards
2. on-going rewards, points or cashback
3. spending bonus for extra points/$ or status, like spending $10,000 to get extra 20k points etc.
Cards with large spending bonus: (alphabetical)
AmEx Delta Skymiles Gold: $25,000 MQD waived for elite status
AmEx HH Ascend: $40,000 to Diamond
Barclay Aviator Red: $25,000 for $3,000 EQD
BofA Merrill +: $50,000 for additional $200 travel credit
Chase Ritz Carlton: $10,000 to renew Gold status. Subject to change from 8/1/2018
Chase United MileagePlus Explorer: $25,000 for 10,000 United miles
A lot more to list...
Cards that earn better than 1 airline mile (or points convertible 1:1 to airline miles) per dollar: (alphabetical)
Amex Blue Business Plus - 2x MRs on up to $50k per year. No AF, FTF.
Amex Blue for Business - 1.3x MRs (Another card needed in order to transfer, such as Amex ED/EDP/PRG/BGR/Plat etc). No AF, FTF. Discontinued, replaced by BBP.
Amex Business Platinum - 1.5x for charges over $5,000 up to 1M extra points ($2M spend) AF $450, no FTF. Many other perks.
Amex EveryDay - 1.2x if you make 20+ charges per cycle. No AF, FTF.
Amex EveryDay Preferred - 1.5x if you make 30+ charges per cycle. AF $95, FTF.
Bank of America Virgin Atlantic MasterCard - 1.5x VS miles, 2x if you spend $15k per year, 2.1x if you spend $25k per year. AF $90, no FTF.
Bank of America Air France KLM Mastercard - 1.5x AF miles. AF $89, no FTF.
Barclaycard Arrival Premier - 1.43x for all partners except JAL, AC (1.18x). You will get 2.14x on all partners except JAL, AC (1.76x), if you spend $15k or $25k per year. AF $150, FYF, no FTF. Discontinued.
Capital One Venture X Visa - 2x on all partners, except Accor and EVA. AF $395, no FTF, many other perks.
Capital One Spark Miles Business Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture Visa - 2x on all partners, except Accor and EVA. AF $95, FYF, no FTF.
Capital One Venture One Visa - 1.25x on all partners, except Accor and EVA. no AF, no FTF.
Capital One Spark Miles Select Business Visa - 1.5x on all partners, except Accor and EVA. No AF, no FTF.
Chase Freedom Unlimited Visa - 1.5x URs (Another card needed in order to transfer, such as CSR/CSP/Ink Plus/Ink Bold/Ink Preferred). No AF, FTF.
Chase Ink Unlimited Business Visa - 1.5x URs, Same as Freedom Unlimited
Citi Double Cash MC - 2x TYP. You need a premium Citi card, (Premier, Prestige or Chairman) to transfer to partners other than JetBlue at 1:1 ratio. No AF, FTF.
Cards that earn hotel points
Amex Hilton Honors - 3x HH points, no AF, no FTF
Amex Hilton Honors Surpass - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Business - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Aspire - 3x HH points, AF $450, no FTF, lots of perks.
Amex Bonvoy - 2x Marriott points. AF $95, FYF, no FTF. Discontinued.
Amex Bonvoy Business - same as Amex Bonvoy. AF $125, no FTF.
Amex Bonvoy Brilliant - same as Amex Bonvoy. AF $450
Barclaycard Choice Privileges Visa - 2x on everything. No AF, FTF.
Barclaycard Wyndham Rewards Visa - 2x (grandfathered versions 2x on everything). AF $69/$0, FTF.
Chase Bonvoy Boundless Visa - same as Amex Bonvoy.
Chase IHG Traveler MC - 2x on everything. No AF, no FTF.
Chase IHG Premier/Premier Business MC - 3x on everything. AF $99, no FTF.
Chase Ritz-Carlton Visa Infinite - same as Amex Bonvoy. AF $450, no FTF. Discontinued, but can be obtained via PC from another Chase Bonvoy card.
FNBO Best Western Rewards Premium MC - 2x BW points. AF $59, no FTF
FNBO Best Western Rewards MC - 2x BW points. No AF, no FTF
2%+ Cashback Cards: (by % amount)
US Bank Altitude Reserve Visa - 4.5% towards travel (cashout possible), if you use Android Pay, Samsung Pay, Apple Pay or LG Pay for in-person, in-app or online purchases. AF $400, no FTF, many other perks.
Barclaycard Priceline Rewards Visa (grandfathered 2x/5x version) - 3.33% if redeemed against Priceline or travel purchases, 2% if redeemed for everything else. No AF, no FTF.
AOD CU Visa Signature - 3% on everything. No AF, no FTF. Discontinued.
Synchrony Paypal Cashback Mastercard - 3% if paid with Paypal, 2% everywhere else, no AF, FTF.
Barclaycard Arrival Premier MC - 3% if you spend exactly $15k or $25k, 2%, if you spend less than $15k. AF $150, FYF, no FTF, some perks. Discontinued.
Bank of America Travel Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. No AF, no FTF.
Bank of America Premium Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $95, no FTF, some perks.
Bank of America Premium Rewards Elite Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $550, no FTF, many other perks.
USAA Limitless Cashback Rewards Visa - 2.5% (must be USAA member, with $1k direct deposit per month). no AF. Discontinued.
Alliant Cashback Visa Signature - 2.5% up to $10k per cycle, if you have $1k on your checking account. No AF, no FTF.
Barclaycard Arrival Plus MasterCard - 2.1% if you redeem for travel purchases. AF $89, no FTF. Discontinued.
Discover it Miles - 3% (first year only, 1.5% after that). No AF, no FTF.
Exactly 2% Cashback Cards: (alphabetical)
Amex Blue Business Cash - 2% on up to $50k per year. No AF, FTF.
BBVA Compass Rewards Visa - 2%, if you receive $1000 in direct deposits per month to checking account. No AF.
Blispay Visa - 2%. No AF.
Citi Double Cash MasterCard - 2%. No AF, FTF.
Capital One Spark Cash Business Visa - 2%. AF $95, FYF, no FTF.
Capital One Spark Miles Business Visa - 2% if redeemed for travel. AF $95, FYF, no FTF.
Capital One Venture Visa - 2% if you redeem for travel purchases. AF $95, FYF, no FTF.
Capital One Venture X Visa - 2% if you redeem for travel purchases. AF $395, no FTF, many other perks.
Fidelity Rewards Visa - 2%. No AF.
PenFed Power Cash Rewards Visa (with Honors Advantage) - 2%. No AF, no FTF.
PNC Premier Traveler Visa - 2% if you redeem for travel purchases. AF $85, FYF, no FTF.
State Department Federal CU Premium Cashback+ Visa - 2%, no AF, no FTF.
Synchrony Paypal Cashback MC - 2% for non-PayPal purchases, no AF, FTF.
Too many to list.
Which card(s) to use for high spend or large purchases? [Consolidated]
Sep 23, 2019, 12:06 pm
#451
Join Date: Dec 2016
Programs: Delta PM
Posts: 86
large purchase coming up, best way to capitalize?
Hi all,
I'm hurting my brain trying to figure out the best way to do this.
I have a large cash purchase coming up (vicinity of $47,000), and I'm trying to gain as much out of this as I can...if it's possible.
I'm open to getting a new card, but it has to be pretty soon as I'm making the purchase on 10/1. I currently fly only Delta (platinum medallion), and stay at Marriott family hotels.
Current credit cards: US Bank Altitude Reserve, Delta Reserve Amex (my main card, so I can hit the 30/60K boosts and I've already hit the 60K one this year), Marriott Bonvoy Brilliant and a random Amex card I never use (blue?)
I've been looking at services like Plastiq or something as simple as Paypal since Venmo has a cap on purchases.
What are you best recommendations for making something like this worth it, rather than just writing a check.
Thanks!
I'm hurting my brain trying to figure out the best way to do this.
I have a large cash purchase coming up (vicinity of $47,000), and I'm trying to gain as much out of this as I can...if it's possible.
I'm open to getting a new card, but it has to be pretty soon as I'm making the purchase on 10/1. I currently fly only Delta (platinum medallion), and stay at Marriott family hotels.
Current credit cards: US Bank Altitude Reserve, Delta Reserve Amex (my main card, so I can hit the 30/60K boosts and I've already hit the 60K one this year), Marriott Bonvoy Brilliant and a random Amex card I never use (blue?)
I've been looking at services like Plastiq or something as simple as Paypal since Venmo has a cap on purchases.
What are you best recommendations for making something like this worth it, rather than just writing a check.
Thanks!
Sep 23, 2019, 12:15 pm
#452
FlyerTalk Evangelist
Join Date: Apr 2009
Location: Bye Delta
Programs: AA EXP, HH Diamond, IHG Plat, Hyatt Plat, Marriott Plat, Nat'l Exec Elite, Avis Presidents Club
Posts: 16,273
If the recipient only accepts cash and you’re looking to services like Plastiq to pay with a card anyway, there’s almost no way to get it to make sense given the fees involved. The sole exception is if you hit a bonus threshold.
Oct 25, 2019, 11:39 pm
#453
Join Date: Oct 2019
Posts: 1
Best Credit Card For Large Yearly Spends
I started a small business last year and had terrible credit at the time. It has, over the course of the last year, grown into a mid-size business. I paid for everything up front this year using debit cards and spent almost 1 million on advertising, 100-150k on travel expenses (all flights on delta), and another 500k on other items that could have been paid for on credit cards. In total I spent just under 2 mil this year that could have been put on credit cards. My business is in the black and we have no loans or debt of any kind. My credit score has improved drastically, but I am only at 690 with Experian. I expect my business spend to increase by about 20% next year and we will continue to run in the black the entire year. I'd like to actually put the spend to use somehow, but I have no idea how best to do that.
Oct 26, 2019, 10:35 am
#454
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,142
Welcome to FT, shummer79! And, congratulations on your successful business! The first step in your credit card decision is to articulate your goals. Would you like to save money in order to reinvest back into your young business (that would definately be my recommendation at this point in your business lifecycle)? If so, finding a 2% cash back card would help with that objective.
Here is one option: https://www.fidelity.com/cash-manage...signature-card
Good luck to you.
Here is one option: https://www.fidelity.com/cash-manage...signature-card
Good luck to you.
Oct 29, 2019, 7:10 pm
#455
Join Date: Mar 2018
Location: Los Angeles
Programs: UA 1K
Posts: 6
I spend about 1 million a year on credit cards for business. Does anyone know of any domestic airline card that gives "top tier" status for spend alone on their branded cards? DL waives the spend requirement after one spends 250k/year on their card but I believe they still require a certain amount of flights. United caps spend only at either Gold or Platinum and not 1K. I was hoping by spending so much on one airline card I could get top elite status with that airline. Many thanks.
Oct 29, 2019, 10:57 pm
#456
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,386
I spend about 1 million a year on credit cards for business. Does anyone know of any domestic airline card that gives "top tier" status for spend alone on their branded cards? DL waives the spend requirement after one spends 250k/year on their card but I believe they still require a certain amount of flights. United caps spend only at either Gold or Platinum and not 1K. I was hoping by spending so much on one airline card I could get top elite status with that airline. Many thanks.
Don't forget about Jetblue Mosaic after $50K on their card, also Silver on Virgin Atlantic is attainable after via their card.
Nov 2, 2019, 8:01 am
#457
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
I spend about 1 million a year on credit cards for business. Does anyone know of any domestic airline card that gives "top tier" status for spend alone on their branded cards? DL waives the spend requirement after one spends 250k/year on their card but I believe they still require a certain amount of flights. United caps spend only at either Gold or Platinum and not 1K. I was hoping by spending so much on one airline card I could get top elite status with that airline. Many thanks.
DL is a possibility. If you fly it often.
Jan 22, 2020, 1:07 pm
#458
Join Date: Jul 2009
Programs: ex-UA Prem 1K, Amex Plat., *A Gold, SPG Gold
Posts: 138
Best Card for a large purchase - Plat Amex or Chase Sapphire Reserve
Hi. Making a large purchase ($25k) and not sure which card will net me the best mileage option, Amex Platinum or Chase Sapphire Reserve. All advice welcome.
Jan 22, 2020, 2:31 pm
#460
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,586
Whichever one you go with, suggest that you call the applicable card issuer and alert them to your planned large purchase.
Jan 29, 2020, 6:36 pm
#462
Join Date: Oct 2003
Location: A Capital City on The East Coast
Programs: CO-Dirt,SPG-Nothing,Marriott-Gold, Hilton-Blue, Hyatt-Plat, HI-Plat
Posts: 6,872
Back looking at my next option(s)
Recent Cards-
CSR(opened 9/22/19)
CIP(opened 12/30/19)
minimum spend meet on those(HVAC and Appliances )
Up next is windows and siding- enough to meet one, if not two minimum spends(likely with just Down payment(s)
other cards held- all opened well over 5 years ago
Amex Gold- Business
AAdvantage Aviator-personal
Chase Mileage Plus-Personal
Chase Presidential Plus-Personal
Wife has Amex Delta Plat
Was thinking of using her referral link and applying for Delta Plat Amex as well
New job has me covering more of the southeast US, so UA and I are more just friends now
looks like a 75K bonus is about the best I can do- with 3k spend
Not sure the reserve would work that well for me with it's AF and overlap
other options/suggestions welcome
Thanks
\\//\\//
ETA: Shoulda waited to apply(got approved)- offer is now 100K miles, granted fee is higher-now $250
say AMEX notice about offer I got was expiring 1/29. Figured they's drop back to standard 30K stuff for a while- guess it's time to call and see if maybe bump me up
Recent Cards-
CSR(opened 9/22/19)
CIP(opened 12/30/19)
minimum spend meet on those(HVAC and Appliances )
Up next is windows and siding- enough to meet one, if not two minimum spends(likely with just Down payment(s)
other cards held- all opened well over 5 years ago
Amex Gold- Business
AAdvantage Aviator-personal
Chase Mileage Plus-Personal
Chase Presidential Plus-Personal
Wife has Amex Delta Plat
Was thinking of using her referral link and applying for Delta Plat Amex as well
New job has me covering more of the southeast US, so UA and I are more just friends now
looks like a 75K bonus is about the best I can do- with 3k spend
Not sure the reserve would work that well for me with it's AF and overlap
other options/suggestions welcome
Thanks
\\//\\//
ETA: Shoulda waited to apply(got approved)- offer is now 100K miles, granted fee is higher-now $250
say AMEX notice about offer I got was expiring 1/29. Figured they's drop back to standard 30K stuff for a while- guess it's time to call and see if maybe bump me up
Last edited by windwalker; Jan 30, 2020 at 6:28 pm
Feb 1, 2020, 9:20 pm
#463
Join Date: Sep 2010
Posts: 2
Need Advice for Extremely High Credit Card Spender
Looking for advice:
My friend is a ticket broker. He spends upwards of 250K per month on credit cards. He has about 150K in credit. 770 Fico. and is over 5/24. His utilization is extremely high and he pays down cards multiple x per week because he maxes out on his total credit limit.
He wants to expand his business and needs more credit.
Looking for your help on a strategy for him.
He's been rejected from all CapOne. Rejected for limit increases on current cards.
He also has a day job where his comp is 100K+
He currently has: AX Plat Citi AA Citi Premier Chase Freedom Chase Sapphire Chase IHG - all of these are personal cards BofA Premium Rewards Alliant Signature WF Biz Plat and a few others.... He does have an LLC but no business cards.
My friend is a ticket broker. He spends upwards of 250K per month on credit cards. He has about 150K in credit. 770 Fico. and is over 5/24. His utilization is extremely high and he pays down cards multiple x per week because he maxes out on his total credit limit.
He wants to expand his business and needs more credit.
Looking for your help on a strategy for him.
He's been rejected from all CapOne. Rejected for limit increases on current cards.
He also has a day job where his comp is 100K+
He currently has: AX Plat Citi AA Citi Premier Chase Freedom Chase Sapphire Chase IHG - all of these are personal cards BofA Premium Rewards Alliant Signature WF Biz Plat and a few others.... He does have an LLC but no business cards.
Feb 2, 2020, 12:38 pm
#464
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
....spends upwards of 250K per month on credit cards. He has about 150K in credit. 770 Fico. .... His utilization is extremely high and he pays down cards multiple x per week because he maxes out on his total credit limit.
........ He does have an LLC but no business cards.
........ He does have an LLC but no business cards.
