Credit Card Deals – What’s In My Wallet?

What’s In My Wallet?
Credit cards are one of the easiest ways to accumulate miles and points and there are some amazing deals out there. I can actually trace my mileage obsession back to the original American Airlines Citi AAdvantage MasterCard. I remember being about 10 years old when my friend Peter’s parents from down the block had just signed up for the card.  They had a conversation with my parents about how they used their card for all their purchases and were planning a free trip for the entire family to Disney World. My parents soon signed up (yes, they were allowed in those days to sign up for cards without my input) and so began our yearly December vacation to Florida followed later by the Caribbean, care of Citi and American.  The offers weren’t as generous back then, but the award tickets were readily available at low redemption levels.  Things have changed quite a bit, but credit cards are still one of the easiest ways to earn free travel and anyone not utilizing these offers is silly.  I’ve easily earned over 3 million points with cards.  I’m constantly asked by colleagues, friends, and family what my favorite cards are and which ones will allow them to earn the most points for an upcoming trip. In fact, I’ve recently helped many friends obtain completely free honeymoons, with flights and hotels fully booked with miles and points.  Below you’ll find my favorite cards, feel free to email me at adam@pointmetotheplane.com with any questions or if you are aware of a better sign-up offer. Remember, these are per individual so you can obtain even more points if each member of the household applies.

Starwood Preferred Guest® Business Credit Card from American Express 
If you qualify for a business card, this is the perfect companion to the SPG personal card above and includes all the same benefits.  As with the personal card, you’ll receive your first year free, 10,000 SPG points after your 1st purchase, and 15,000 points after spending $5000 within 6 months. There is a $65 annual fee for this card after the first year. If you qualify for a business, when combined with the personal card above, that’s 50,000 SPG points just for signing up. You can see full details for this offer and all the benefits here.

  • Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Card Membership
  • Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates
  • Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
  • Earn 1 Starpoint® for each dollar of eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

Chase Ink Plus®  Business Card – - Limited Time Increased Offer!
The Chase Ink Plus Business card is the credit card edition of the Ink Bold (which is a charge card). Remember, a credit card allows you to pay part of your bill each month while a charge card requires you to pay your balance in full.  The Ink Plus is considered a completely separate product from the Ink Bold, meaning you can obtain both bonuses (100K total).  All terms and conditions are the same as the Ink Bold below and you’ll receive 50K points after $5000 spend in the first three months.  This is a business card, but refer to the bottom of this page for details as to why you might have a business without even knowing it. You’ll receive 5 points for every $1 spent at office supply stores, on cell phone and land-line bills, internet, and cable tv services, 2 points for every $1 on gas and hotel charges, 1 point on all other purchases, and no foreign transaction fees. The card also comes with complimentary lounge access via the LOUNGE CLUB. The annual fee is waived for the first year and is $95 thereafter. Benefits include 1 to 1 point transfers with United, Southwest, British Airways, Korean Air, Ritz Carlton, Marriott, Hyatt, Priority Club, and Amtrak. With the Sapphire Preferred (40K), Ink Bold (50K) and the Ink Plus (50K), you’ll have 140K Ultimate Rewards points in no time. Once you meet the minimum spend on the cards, that’s essentially enough points for a first class ticket to Europe, Africa, Asia or Australia on some of the nicest airlines in the world. Update 10/1/13 – Chase is now issuing all Ink Plus cards as Visa cards instead of MasterCards, once again making this a new product. You can apply for the Ink Plus card here.

  • Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards(TM).
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95.

Chase Ink Bold®  Business Card – - Limited Time Increased Offer!
I applied for this card on the same day as the Sapphire Preferred card below, they were my first two Ultimate Rewards cards.  Points from both cards as well as the Ink Plus above can be combined.  This is a business card but individuals or sole proprietors can apply as well(eBay selling, tutoring, a hobby, or side business qualify -travel critic, food critic, etc…see the bottom of this page for further details).  The card is currently awarding 50,000 points for new applicants, combined with the 40K for the Sapphire Preferred you’ll have close to 100K Ultimate Rewards points. You’ll receive 50K points after $5000 spend in the first three months and get 5 points for every $1 spent at office supply stores, on cell phone and land-line bills, internet, and cable tv services, 2 points for every $1 on gas and hotel charges, 1 point on all other purchases, and no foreign transaction fees. The card also comes with complimentary lounge access via the LOUNGE CLUB. The annual fee is waived for the first year and is $95 thereafter. Like the Sapphire card below and Plus above, benefits include 1 to 1 point transfers with United, Southwest, British Airways, Korean Air, Ritz Carlton, Marriott, Hyatt, Priority Club, and Amtrak. Remember, when combined with the Sapphire Preferred or Chase Ink Plus offers below this is essentially 100-120K Ultimate Rewards points.  100k points is enough for 4 domestic coach tickets, a business class ticket to Europe, or a coach ticket to Africa, Asia, or Australia.  Alternatively, these can be redeemed for several Hyatt, Marriott, or Priority club hotel nights. Like the Ink Plus, this card too is now being issued as a Visa rather than a MasterCard like the old product. You can apply for the card here.

  • Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards(TM).
  • No interest charges because you pay your balance in full each month.
  • Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • No foreign transaction fees.
  • Direct access to a live service advisor anytime.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95.

Chase Sapphire Preferred® Card – Limited Time Increased Offer!
The Chase Sapphire Preferred Card has been my go to card for travel and restaurant purchases since I first obtained it almost three years ago. The card earns 2 points per dollar spent on travel (airfare, taxis, train, bus, etc. are all included) as well as when dining at restaurants. The points are super valuable with 1:1 transfers to several airlines and hotels, including United Airlines. I absolutely love the card and Ultimate Rewards, plus you’ll feel special due to the shocked reactions when handing over the card due to it’s weight and look.  All customer service calls are answered by actual human beings and you’ll never be greeted by an automated system.  The current offer is 40,000 points upon spending $3000 in the first three months and an additional 5,000 points when you add the first authorized user and make a purchase in the first 3 months from account opening.1 to 1 point transfers are offered with United (Star Alliance), Southwest, British Airways (Oneworld), Korean Air (SkyTeam), Ritz Carlton, Marriott, Hyatt, Priority Club, and Amtrak.  Additionally, there is a 7% annual point dividend on all points earned, which means the sign up bonus is actually worth over 40,000 points! The 40,000+ points can go a long way depending on which redemption partner you choose.  For example, see where you can go with the 45K on United including any of their Star Alliance (Lufthansa, Singapore, Swiss, Thai, etc.) partners More impressive, look where 100-150k can take you, if you sign up for the Sapphire Preferred and a Plus or Bold card (see above)… you’ll be set in BUSINESS CLASS to Europe or Asia or can get two coach tickets!  32.5 coach each way to Hong Kong or 60k each way in business, 40k coach each way to Johannesburg or 60k each way in business, or 40K coach each way to Sydney, Australia or 67.5k each way in business. After the first year there is an annual fee of $95.  The card also includes some great warranty and purchase protection benefits. You can apply for the card here. If you apply for the card soon and hit your spend right away, you will most likely be able to transfer to United prior to the scheduled award chart devaluation in February.

  • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That’s $500 in travel when you redeem through Chase Ultimate Rewards(TM).
  • Earn 5,000 additional bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Automatically get a 7% Annual Points Dividend on all new points earned on purchases throughout the year – even points you have redeemed.
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to participating frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

The US Airways Premier World MasterCard® 
With the pending AA/US merger this card is a must as these miles will one day become AAdvantage miles. The expectation is that this card will eventually go away (most likely at least a year away from now), leaving behind the harder to obtain AA Citi Cards.  While Barclays is one of the tougher banks in terms of approval for your first card, they have a reputation lately as being easy to obtain additional cards. I currently have two of these. This last one was very important to me. After receiving the sign-up bonus and then an additional 15K bonus on my last US card in July, I wanted to apply for another non business version of the card. I went ahead in August (without canceling the first one) and received an email that my application was not even process and that there was no credit pull as I already had an identical card. OK, what happens when I cancel the card and wait 2 1/2 months. Automated APPROVAL! Here’s hoping the 15K additional bonus now returns for this card as well. That’s 35,000 more AAdvantage miles for me! See Building Up US Miles for the AA Merger – Time to Take AAdvantage, Full List of Offers!

1) 40k after your first purchase, annual fee of $89, up to an additional 10k when you transfer a balance within 90 days (1 mile per $). Full landing page and promo details.

  • Earn up to 40,000 bonus miles on qualifying transactions
  • EXCLUSIVE: Redeem flights for 5,000 fewer miles
  • Zone 2 boarding on every flight
  • Enjoy 2 miles per $1 spent on US Airways purchases
  • Earn 1 mile per $1 spent everywhere else
  • Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
  • First Class check-in
  • Please see terms and conditions for complete details

2) Business Card – 25k after your first purchase, up to 10k for balance transfer within the first 30 days (1 mile per $), $79 annual fee. Note this link will also give you the option to select a business card with no annual fee and 5k miles for signing up.

Barclays Arrival(TM) World MasterCard® – Earn 2x on All Purchasesd
I sat out on the hype over this card when it was first released and I’m still not sure why everyone is going so crazy over it. I understand the benefits -double points on all purchases / no worrying about category spend, waived annual fee first year, free subscription to TripIt, and a free copy of your FICO score. More importantly, no worrying about award availability as you are actually buying a ticket with your points. The points are valued at 1.1 cents per mile when redeemed for travel and you receive a statement credit for their value. Since you are buying the ticket, you’ll actually be earning miles on your award ticket. That’s all great but I sign up for these cards to fly in business / first to international destinations, quite difficult to achieve when my points are only worth 1.1 cents. So why did I apply? Incidental travel costs, positioning flights for mileage runs, and some potential domestic trips that I don’t want to burn my valuable airline miles on. Little known fact, you can actually redeem the miles for anything labeled “travel” on your statement and so that means they are great for seat upgrades, rental cars, club memberships, etc. When you apply you’ll receive 40,000 points (which equals $440 when redeemed for travel). Something to note, this was a second Barclays app for me within a short time period and it took some convincing to win approval. It’s not easy to get two Barclays card but it’s totally doable. A call was required. Some tips – apply for both cards within minutes of each other if possible but definitely within the same day. If you don’t receive automatic approval call the reconsideration line at 1-866-408-4064 to discuss your multiple card needs.

Citi Business MasterCard – Why? It’s been well over the recommended (and required) 65 day wait between applying for a personal Citi AAdvantage card and a business version and why not get another 50,000 AAdvantage miles after spending $3,000 within three months. Annual fee waived for the first year.

Club Carlson Premier Rewards Visa Signature Card  – Up to 85,000 points (50K after the fist purchase and 35K more after spending $2,500 within 90 days). You’ll also receive complimentary Gold status and the awesome benefit that makes the second night of any award stay free! I didn’t jump on this card when it first came out (just b/c I was busy traveling), but it was certainly nice to have another non Chase / AMEX card to apply for!

American Express® Premier Rewards Gold Card
The major selling point of this card is that you earn triple Membership Rewards points on airfare and double points on U.S. stand-alone gas stations and U.S. standalone supermarkets.  Upon approval you’ll earn 25,000 bonus Membership Rewards points after spending $2,000 on the card within 3 months.  While the sign up bonus may not be as high as the other cards above, the triple and double earnings are key.  Additionally, AMEX runs transfers bonuses where you can earn up to a 50% mileage bonus on miles transferred into a given partner program. That means you can actually earning more than the double and triple points listed above. Membership Rewards has a ton of airline partners including: Delta, AeroMexico, Air Canada, Alitalia, ANA, British Airways, Air France/KLM, Frontier, Hawaiian, Iberia, JetBlue Singapore, Virgin Atlantic, and Virgin America. Under a recent promotion you could earn 1.5 British Airways Avios points for every Membership Reward Point transferred.  Delta has similar 50% bonus transfer promotions that would amount to the same 37,500 miles.  The card also offers extended warranty protection, purchase protection, return protection, and rental car insurance.  There is $0 introductory annual fee for the first year, then $175 thereafter.

  • Get 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
  • Use your Card for retail, dining, travel or groceries, then go online and use points towards your eligible charges.
  • As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on the Card in one year.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.

The Platinum Card® from American Express
Let’s start out with the cost, it’s $450 a year but you can make up the initial outlay quickly, especially if you’re a frequent traveler with no lounge access.  With membership comes complimentary Delta Sky Club lounge access, access to Priority Pass Select lounges around the globe, and American Express Centurion Lounges. If you are someone who buys any of these memberships, then this card may be worth the membership fee. Prices for annual club memberships at airlines vary based on your status level, however Delta charges $300-$450. Even more valuable, you can add up to 3 additional members for only $175 total, which means 4 people can enjoy these benefits for $625 or $156.25 per person for access to all of these lounges for the year.  The card also includes $200 airline fee credit per year.  You select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees. Finally, the card also comes with complimentary Global Entry registration, which normally costs $100.  The program allows you to bypass passport control and use automated entry machines or special passport control lines to expedite your entry back into the US.  They also have a special Platinum concierge desk that can help with special dining reservations, sold out event assistance, and shopping services. You also get VIP treatment at thousands of hotels in the Fine Hotels and Resorts Program booked via AMEX, including upgrades and late 4pm checkout. No foreign currency conversion fees and the standard purchase protection plans are also included.  As noted with the AMEX Gold Card above, Membership Rewards points are flexible and can be transferred to several partners including some of the largest airlines.  However, that card is better in terms of earning points (double and triple) for purchases, this card’s appeal is for the lounge, airline fee credit, and Global Entry perks.  Do the math, first subtract the $200 airline fee credit from the annual fee.  Now, if the remaining cost is lower than what you pay each year for an airline membership, the card could makes sense, even without taking into consideration Global Entry or the hotel benefits. You will receive 40,000 Membership Rewards points after $3000 in purchases within three months.

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • With the Platinum Card, you can receive up to $200 a year in statement credits for airline incidental fees like checked bags fees, flight-change fees, and snacks.
  • To receive the statement credit, you need to enroll and select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

After March 22, 2014, as a benefit of Platinum Card Membership, Card Members will continue to receive access to three airport lounge networks: Participating Delta Sky Club® lounges, Priority Pass™ Select: When you enroll in Priority Pass™ Select, you can access over 600 participating airport lounges worldwide — no matter what class or airline you fly, Airspace Lounges in New York (JFK), Cleveland (CLE) and the Baltimore-Washington International (BWI) airports (learn more at airspacelounge.com),and unlimited access to the Centurion Lounge. The current lounges are in the Las Vegas McCarran airport and the Dallas/Fort-Worth airport. The lounges are the first of several American Express airport lounges that will open in major U.S. cities, and offer complimentary gourmet food, signature cocktails and curated wines, high speed Wi-Fi, a computer bar, and more. For more information, visit thecenturionlounge.com.

Coming Soon to My Wallet & Previously in My Wallet

Chase Ink Cash® Business Card – - Limited Time Increased Offer!
In the market for additional Ultimate Rewards points? Earn 20,000 with the Chase Ink Cash Business Card.

  • Earn $200 bonus cash back after you spend $3,000 in the first 3 months from account opening.
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
  • 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 6 months on purchases and balance transfers.
  • No annual fee

Citi® Platinum Select® / AAdvantage® World MasterCard®
As I mentioned above, these cards were my family’s first mileage earning cards.  For several years these cards were a mileage junkies best friend, you could continuously apply, cancel, and re-apply for these cards over and over again.  Several “enthusiasts” were able to obtain millions of AA miles in this way.  Unfortunately, the party has ended as has the long usable 50K link and two-browser trick .  One of the very cool new perks of this card is that you’ll receive 10% of your redeemed AAdvantage miles back up to 10k miles per year. You’ll generally receive approval 18-20 months after your last successful AA personal card application. The best available link is now for 50K bonus miles…

Gold Delta SkyMiles® Credit Card from American Express
30,000 SkyMiles when you spend $1000 in the first 3 months, first bag for free, priority boarding, 20% in flight savings on food and entertainment, no annual fee the first year and $95 after that.  This is a decent way to up your Delta SkyMiles balance by 30k for free and ensure free bags if you are not an elite member.  I would not suggest holding on to the card after the first year. There are much more lucrative ways to earn SkyMiles (refer to the SPG card above).  30k miles is enough for a low level roundtrip ticket within the US or to the Caribbean. You can apply for the card here.

  • Earn 30K bonus miles after you make $1K in purchases on your new Card within your first 3 months.
  • Earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
  • Check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four.
  • Premium Travel Perks: Settle in sooner with Priority Boarding.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

Marriott Rewards® Premier Credit Card
The card awards 50,000 bonus points after you spend $1000 in your first three months (enough points for a free night at any Marriott property) AND 1 free night at a category 1-4 location. You earn 5 points for every $1 spent at Marriott locations, 2 points for every $1 on dining, airline, and rental car purchases, and 1 point for every $1 spent on purchases anywhere else, and 15 nights credit toward elite membership each year as well as 1 elite night credit for every $3,000 spent. There is a $0 Intro Annual Fee for the first year, then $85.   Again, all points and free nights are yours to keep. You can easily find Marriott properties that are over $400 a night, making this a worthwhile card, especially if several family members are signing up together. The card also now includes smart chip technology and no foreign transaction fees.  You can apply here.

  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in category 1-4 locations
  • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, then $85
  • For every $1 spent, earn 5 points at 3,600 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point elsewhere
  • Achieve Elite Status Faster with Annual Credit & Everyday Purchases – 15 Elite Credits after account approval and every year after your account anniversary
  • Unlimited Point Accumulation
  • No Foreign Transaction Fees and global Chip and Signature technology

Chase British Airways Visa Signature® Card 
The 100,000 British Airways card offer may be long over but the current 50K offer now has no annual fee for the first year and a spending requirement of only $2000 within three months. Why should you take advantage of this offer if you live in the US and you know of BA’s ridiculous fuel surcharges? I recently went to Barbados round-trip on American for only $47.50 in taxes and 12,500 Avios points each way (instead of 17,500 AA miles).  BA offers amazing redemption opportunities on short-haul flights and points can be used for cheap awards on American Airlines award redemptions within North America, the Caribbean, and Hawaii. There are even some good long-haul opportunities that avoid the outrageous taxes and fees that BA has become known for.  Check out this post for the short haul opportunities and this post with the long haul opportunities. Also, Avios has some great unexpected airline partners who are not partners with BA or Iberia, see this post. Finally, remember that BA allows household accounts where up to 7 members residing at the same address can combine and pool their points together.

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening
  • New! $0 Introductory annual fee for the first year, thereafter $95
  • Pay no foreign transaction fees for purchases when you travel abroad
  • Get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
  • Earn a Travel Together Ticket good for two years, every calendar year you make $30,000 in purchases on your British Airways Visa Card

United MileagePlus® Explorer Card
I got this card while United and Continental were still in the process of merging.  I wanted to be able to receive sign up bonuses for both the Continental and the United cards prior to the programs merging. The current bonus is for 30,000 miles after $1000 spend in the first 3 months, 5,000 bonus miles after you add an authorized user to your account and make a purchase with your card during the first 3 months, and 10,000 bonus miles every calendar year you spend at least $25,000 on your card. The spending requirements are high for the final 10,000 points but it’s extremely easy to get the 35,000 miles in no time.  There is no annual fee the first year, so the 35k miles are essentially free.  If two family members sign up this could potentially be two free tickets to the Caribbean or any destination in the continental US.  The card also includes a free checked bag for each card members and a companion, priority boarding, warranty protection, and rental insurance.  The fee is $95 after the first year, but like all the other offers the miles are yours to keep regardless of whether you cancel after your free first year. You may be able to obtain 50k for signing up if you are not currently a United Chase card holder.  Take a look at this forum discussion.

  • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
  • Check your first bag for free – save up to $100 per round-trip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees!
  • Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
  • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

Worried About Your Credit Score? Did you know you can actually increase your credit score by applying for additional credit cards? Check out this three part interview series for Credit Card App Advice from a Senior VP of Credit Approval & Risk.  Also see this great article by the Frugal Travel Guy as well as this article from Million Miles Secrets, yes your score can actually go up from applying for more credit!

Family Time Credit Card Applications? See here for tips on tracking, providing spending guidance to parents and loved ones, and why your continued involvement is so important when making this a family event!

Please note that www.pointmetotheplane.com does receive referral bonuses for some of the offers mentioned above.  All offers are the best present-day available offer for the selected cards.  Please email me if you find a better publicly available deal and I’ll update the page accordingly!   Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.