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]
Mar 9, 2018, 8:34 pm
#316
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
For example, if you also held a Chase Sapphire Reserve card, you could transfer the points earned with the INK Cash card to the Reserve card and redeem for travel at $0.015 per point. That would increase the value by 50% with no change in spending. Alternately, the points could be transferred from Reserve to airline frequent flyer programs where they might be worth more.
How many employees have cards on the INK account?
Last edited by mia; Mar 9, 2018 at 8:44 pm Reason: Shift decimals.
Mar 9, 2018, 8:53 pm
#317
Join Date: Mar 2018
Posts: 7
Unless your INK Cash account is very old, it actually earns Ultimate Rewards points. These points can be redeemed for cash at the fixed rate $0.01 each, but there are other ways to redeem which may deliver more .
For example, if you also held a Chase Sapphire Reserve card, you could transfer the points earned with the INK Cash card to the Reserve card and redeem for travel at $0.015 per point. That would increase the value by 50% with no change in spending. Alternately, the points could be transferred from Reserve to airline frequent flyer programs where they might be worth more.
How many employees have cards on the INK account?
For example, if you also held a Chase Sapphire Reserve card, you could transfer the points earned with the INK Cash card to the Reserve card and redeem for travel at $0.015 per point. That would increase the value by 50% with no change in spending. Alternately, the points could be transferred from Reserve to airline frequent flyer programs where they might be worth more.
How many employees have cards on the INK account?
Mar 9, 2018, 9:29 pm
#318
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
There are several 2% cash back cards from other issuers with much lower annual fees. Why are you leaning toward the Gold Luxury Card?
Last edited by mia; Mar 9, 2018 at 9:39 pm
Mar 9, 2018, 9:58 pm
#319
Join Date: Mar 2018
Posts: 7
INK Cash is a business card product. Each of the four cards has a unique card number. This makes it easy to track expenses , and if one card is lost, damaged or compromised the others continue to work. Most MasterCard or VISA issuers use the same number for all cards issued on a personal account, and these benefits are lost.
There are several 2% cash back cards from other issuers with much lower annual fees. Why are you leaning toward the Gold Luxury Card?
There are several 2% cash back cards from other issuers with much lower annual fees. Why are you leaning toward the Gold Luxury Card?
The other 2% cards I've looked at either effect your personal credit because of how they report, or they only allow the rewards to be used as statement credits.
Mar 10, 2018, 12:29 pm
#320
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,138
My small business spends approximately 2.5 million per year in our company credit card. We currently have the Chase ink Business Cash card. Almost all of our purchases fall in the 1% rewards categories adding up to around 28k per year in rewards. We prefer to redeem our rewards for travel.
I'm trying to find the best card to use for travel rewards redemption. I think the answer is the Gold Luxury MasterCard, which would result in around 50k per year in travel rewards. Anything else I should consider?
I'm trying to find the best card to use for travel rewards redemption. I think the answer is the Gold Luxury MasterCard, which would result in around 50k per year in travel rewards. Anything else I should consider?
Mar 16, 2018, 11:59 am
#321
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Mar 20, 2018, 12:42 am
#323
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
My small business spends approximately 2.5 million per year in our company credit card. We currently have the Chase ink Business Cash card. Almost all of our purchases fall in the 1% rewards categories adding up to around 28k per year in rewards. We prefer to redeem our rewards for travel.
I'm trying to find the best card to use for travel rewards redemption. I think the answer is the Gold Luxury MasterCard, which would result in around 50k per year in travel rewards. Anything else I should consider?
I'm trying to find the best card to use for travel rewards redemption. I think the answer is the Gold Luxury MasterCard, which would result in around 50k per year in travel rewards. Anything else I should consider?
Last edited by yugi; Mar 20, 2018 at 12:47 am
Mar 25, 2018, 12:06 pm
#324
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
When I saw the title, I thought this is to discuss the cards which would earn high spending bonus. But it it not. We mostly talk about the cards that earn high rewards. I'd like to know what cards that would earn the best bonus on high spending. I know quite a few of them. But like to earn more.
Mar 25, 2018, 6:16 pm
#326
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,452
When I saw the title, I thought this is to discuss the cards which would earn high spending bonus. But it it not. We mostly talk about the cards that earn high rewards. I'd like to know what cards that would earn the best bonus on high spending. I know quite a few of them. But like to earn more.
Mar 25, 2018, 9:32 pm
#327
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
Yes, quite a few CCs can earn you airline and hotel status or bonus by spending like $30,000 or $50,000 a year. I'll add some when I get chance. They are very valuable.
Apr 1, 2018, 8:13 pm
#328
Join Date: Mar 2018
Posts: 7
CSR or Bank Of America Premium Rewards w/PH for a big spend?
I just got both the cards and minimum spend for the bonus is not an issue.
I have a a bill for 14K coming up and i need help with which card to use. - With respect to rewards redemption.
With BofA PR w/PH i get 2.625%, so as per the card reviews its a no brainier - but "Points are always worth 1 cent each and can be redeemed for a statement credit or award travel in the Bank of America Travel Center" (Forbes - Is the Bank of America Premium Rewards Better than the Sapphire Reserve and Amex Platinum Cards)
On CSR - Points are worth 1.5 cents each when booked for travel on Chase or transferred to a Chase Ultimate Rewards travel partner
Which card should i use for the 14K tax payment ?
Should it be all on one of the card or some ratio ?
I have a a bill for 14K coming up and i need help with which card to use. - With respect to rewards redemption.
With BofA PR w/PH i get 2.625%, so as per the card reviews its a no brainier - but "Points are always worth 1 cent each and can be redeemed for a statement credit or award travel in the Bank of America Travel Center" (Forbes - Is the Bank of America Premium Rewards Better than the Sapphire Reserve and Amex Platinum Cards)
On CSR - Points are worth 1.5 cents each when booked for travel on Chase or transferred to a Chase Ultimate Rewards travel partner
Which card should i use for the 14K tax payment ?
Should it be all on one of the card or some ratio ?
Apr 1, 2018, 9:58 pm
#329
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
I just got both the cards and minimum spend for the bonus is not an issue.
I have a a bill for 14K coming up and i need help with which card to use. - With respect to rewards redemption.
With BofA PR w/PH i get 2.625%, so as per the card reviews its a no brainier - but "Points are always worth 1 cent each and can be redeemed for a statement credit or award travel in the Bank of America Travel Center" (Forbes - Is the Bank of America Premium Rewards Better than the Sapphire Reserve and Amex Platinum Cards)
On CSR - Points are worth 1.5 cents each when booked for travel on Chase or transferred to a Chase Ultimate Rewards travel partner
Which card should i use for the 14K tax payment ?
Should it be all on one of the card or some ratio ?
I have a a bill for 14K coming up and i need help with which card to use. - With respect to rewards redemption.
With BofA PR w/PH i get 2.625%, so as per the card reviews its a no brainier - but "Points are always worth 1 cent each and can be redeemed for a statement credit or award travel in the Bank of America Travel Center" (Forbes - Is the Bank of America Premium Rewards Better than the Sapphire Reserve and Amex Platinum Cards)
On CSR - Points are worth 1.5 cents each when booked for travel on Chase or transferred to a Chase Ultimate Rewards travel partner
Which card should i use for the 14K tax payment ?
Should it be all on one of the card or some ratio ?
A lot people use Chase Freedom Unlimited since it earns 1.5 UR points, more than the CSR. Personally I used my AmEx SPG card for tax and other non-category spending. I like to stockpile SPG points for Amtrak and Marriott hotel+airline package.
Apr 2, 2018, 7:32 am
#330
Join Date: Mar 2018
Posts: 7
Thank you for the clear explanation. I just applied for starwood and got approved...so i will use that to pay part of the tax. I have been travelling a lot but keeping the cost low with airbnb....Startwood/marriott/ritz sounds better.
Also as per a lot of news sources the card might not be there after 2018...so a sweet deal to get points. ...I think i will split evenly between the 2.
Since you have a starwood card - do you know if the unused points wills stay on the starwood account if they end the card program ?
thanks
Also as per a lot of news sources the card might not be there after 2018...so a sweet deal to get points. ...I think i will split evenly between the 2.
Since you have a starwood card - do you know if the unused points wills stay on the starwood account if they end the card program ?
thanks