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, as you may be offered an extension of the free time, or you may be offered another free card that earns miles.

The first two cards I mention, Starwood and Delta, are not free, but for as long as I have been doing this, they have always been free for the first year. Other cards of interest have free for a year offers that come and go, so I list them on the Annual Fee Cards page, with reference to them here.

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.

Starwood Hotels & Resorts offers my favorite American Express credit card. Read my description of the Starwood Starpoints program in my Other Programs I Like section to see how the program is extremely useful in acquiring airline miles. Earn 1 point/$1 spent. 1,000 points can be converted to 1,000 miles on a large number of airlines (great flexibility as airline programs change), plus 20,000 points convert to 25,000 miles, meaning essentially you get 1.25 points/$1 spent.

U.S. Airways has regularly (about annually recently) offered bonuses of 40% -100% for transferring hotel points to its miles. This could be equivalent to over or just under 2 miles/dollar spent if you patiently wait for the bonus to appear. U.S. Airways is a Star Alliance carrier. Star Alliance it the best of the aile alliances, meaning those U.S. Airways miles can get you to most anywhere in the world on some of the world's finest airlines. So I use my Starpoints either for U.S. Airways miles or hotel stays.

Each U.S. offer below is free of annual fee for one year, then $65 a year. (However, read my comments on cancelling the card below to see how you might avoid the fee entirely.)

American Express tell me "The Starwood Preferred Guest® Credit Card from American Express recently won the Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use."

Starwood credit card holders may earn 5,000 points by referring a friend or referring a colleague to the card.

For a quick, free infusion of extra Starwood Starpoints, 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 Starpoints, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 333 Starpoints.

Frugal Travel Guy suggests how new card holders might get 5,000 or 6,000 extra points by making a timely complaint.

Personal card: Starwood Preferred Guest(R) Business Credit Card from American Express OPEN

• 10,000 points up front after first use of the card.
• Additional 15,000 Starpoints by spending $5,000 in 6 months. The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.
• 1 Starpoint for every eligible $1 charged with the Card for any purchase.
• Receive up to 5 Starpoints for every eligible dollar spent at SPG hotels & resorts - 2 Starpoints per dollar spent on the Card in addition to the 2 Starpoints you can get as an SPG member. Plus, 1 more Starpoint with SPG Gold or Platinum status.
• Receive credit for 5 nights and 2 stays toward SPG elite status each year.
  • Upon opening your Card Account and, by February 15th of each subsequent calendar year it is open, you will receive from Starwood credit for 2 stays towards your Starwood Preferred Guest elite status and credit for 5 nights toward your Starwood Preferred Guest Elite status. This benefit is limited to one annual 2 stay credit and one annual 5 night Elite status credit per Starwood Preferred Guest Credit Card account. You will not receive additional 2 stay or 5 night Elite status credits if you have multiple Card Accounts. Credits and status are subject to the terms and conditions of the Starwood Preferred Guest program.
• Global Assist® Hotline provides 24/7 emergency assistance worldwide while traveling more than 100 miles from home. (They help, but you pay for the services to which they direct you.)
• No annual fee for the first year - then $65. (So cancel before then if you don't want to pay the fee.)
• I see no limit mentioned on the number of Starpoints you can earn.
• If you have difficulty seeing the offer I describe, the system thinks you already have an American Express card. Clear cache and cookies, or try a different browser or computer.

Business card:

Starwood Preferred Guest(R) Business Credit Card from American Express OPEN

• 10,000 bonus Starpoints for first use.
• An additional 15,000 bonus Starpoints when you spend $5,000 in 6 months.
• 4X points for every eligible dollar spent at SPG Hotels and Resorts
  • When using your Card at Starwood Preferred Guest® Hotels and Resorts, you'll receive 4 Starpoints for every dollar spent and then 5 Starpoints per dollar spent after you reach the Gold or Platinum level of SPG Elite Status. Note that this includes the points you would receive anyway for staying at the hotel.
• Stay 2 consecutive nights at any participating Sheraton® hotel or resort, and your third night is on us.
• No limit mentioned on the number of Starpoints you can earn.
• Lots of other goodies.
• No annual fee for the first year - then $65. (So cancel before then if you don't want to pay the fee.)
• If you have difficulty seeing the offer I describe, the system thinks you already have an American Express card. Clear cache and cookies, or try a different browser or computer.

Starwood has two cards for Canadians. Both have a steep fees, but both offer 10,000 Starpoints for first purchase. The offer website for the business card says that the fee may be tax deductable. I leave the math to you.

• Personal card. $120 annual fee.
• Business Card. $150 annual fee.

This FlyerTalk thread discusses the possibility of receiving 2,500 bonus points for adding a second card to your account.

Cancelling the card:

• I and others were charged only $25, in November 2003.
• I avoided the fee entirely in November 2004. I waited for the fee to post, then called them. I pressed the telephone button for cancelling the card. I had to tell them that "I want to cancel the card because I didn't want to pay the annual fee". The rep would not look up what she could to for me when I just told her that I was thinking of cancelling. I had to tell her I was actually going to cancel. Then she saw that I was a "long time good customer" (3 years, I think), and that I always pay my bill on time. I charge only $1 -2 thousand a month at most on the card. She offered me a refund of the fee, or 2,000 Starpoints. All of this suggests that you can get a refund or reduction of the fee by telling them that you intend to cancel the card because you object to the fee.
• On March 6, 2005, a reader wrote:

  "Called today to "cancel" my card. They offered my 3000 starwood points to keep it. No comments on how long I had to keep it for. I accepted that deal so I have no idea how much more they might have offered. I've had the card one year, and charged about 20K during the year."

• On March 01, 2006, a reader wrote

  "I called to cancel & they tried to steer me to a no-fee "Blue Sky" card (with a proprietary point/reward program - no thanks). When I declined, the rep mentioned no alternatives & was ready to cancel me, so I asked if there was anything else she could do. She offered 3,000 Starwood points (but no waiver of the annual fee), which I accepted. In short, you may have to prompt for the 3K points offer if the phone rep doesn't mention it."

• On May 20, 2005, a reader wrote

  "Called today to cancel my SPG Amex. Told them I didn't want to pay the annual fee. Was offered a $30 credit back to my account to be posted within 6-8 weeks, although they charged me $27.50 for my annual fee. No mention of any SPG points."

• On December 17, 2004, a reader wrote

  "I've had the card for one year. I used the card extensively (2K/mo) during the double points period over the summer, not so much the rest of the year. In November the fee posted to my statement. I called to cancel telling them I didn't want to pay the fee. They said OK and cancelled it. Oh well. I'll have to have my wife sign up for a card."

• Read all of this discussion
• Please tell me about your experience trying to get the fee waived.)

On February 17, 2005, a reader wrote:

...my husband only had 500 pts left in his account so I emailed to ask if I could combine the two accounts and they said no, accounts are not combinable, but I could TRANSFER his points to my account because we had the same address and they did it right away.

For all but the Options Card you are offered 1 Delta mile $1 you charge to the card. But there are some nice bonuses, some permanent, and some temporary:

• New benefits:
  • Cardmembers with a Gold, Platinum, or Reserve Delta SkyMiles Credit Card from American Express may check their first bag for free for all Delta and Delta Connection® flights. The benefit applies to up to 9 people traveling in the eligible Cardmember’s reservation. I leave it to you to read the details.
  • Early Boarding.
  • Save 20% on food, beverages and entertainment on all Delta operated flights.
• Double miles on Delta purchases.
• The Delta cards often offer bonuses for reaching certain spending thresholds. Read the terms and conditions of each bonus.

Note: After you spend the minimum required for your bonus miles, the Starwood American Express card is a much more efficient card for actual daily use at merchants accepting American Express. It gives one point/$1 spent. As of September 15, 2010, 20,000 points give you 25,000 miles on Delta Airlines.

Those seeking Delta Airlines miles should also consider acquiring American Express Cards that earn Membership Rewards points. They regularly offer 10,000 - 25,000 bonus points which are convertible 1,000 points > 1,000 miles. The cards often waive the annual fee for a year, and then become prohibitively expensive. Consider using one of these cards first, cancelling it before the fee becomes due, then acquiring a card listed below, or visa versa. Or consider acquiring both the Amex and one or more cards below simultaneously to get all of the up front bonus points.

The free offer is available for first time users only. That used to mean you had to wait a year before you could get the offer again. But currently they won't give you the miles a second time, though received one with no annual for a year a second time. If the current offer provides more miles than an offer you previously accepted, you can get the difference. You might have to ask for it.

Frugal Travel Guy suggests how new card holders might get 5,000 or 6,000 extra points by making a timely complaint.

First year annual fee waived offers:

• If you are a Delta Skymiles member, then before accepting any offer, click here to see if there is a better offer specific to you.

Gold Delta SkyMiles(R) Credit Card from American Express

• 30,000 bonus miles when you spend $500 on the Card in the first three months from account opening – good for a free flight!
  • Special offers: The Points Guy describes a business card offer that provides 25,000 miles after first purchase, and then 30,000 miles after spending $10,000 on the card in the first 6 months. Read the footnotes to see the offer. My banner and link takes you to a 30,000 mile for spending $500 in the first three months. Please tell me when the 55,000 mile offer disappears. Thanks.
• $0 intro annual fee for the first year, then $95
• Check your first bag FREE – for up to 9 people on your reservation – on every Delta flight
• Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
• Priority Boarding and 20% In-Flight Savings

Delta has credit card offers for countries other than the U.S., including Chile, Colombia, Costa Rica, El Salvador, Guatemala, Mexico, Japan, Puerto Rico, U.S. Virgin Islands, U.K., and Ireland. Most have bonus miles for applying and using the card. The cards for Chile and for Puerto Rico ar free for the first year. (Bueno.) Not sure about the others. Click here for info.

Additional cards: This post on Fatwallet tells you how to get 2,500 miles per extra card ordered, for up to 5 cards (12,500 miles total). I have received a similar offer for up to two cards for my Delta business credit card, but have no means of verifying the offer for a personal card. Please tell me about your experience trying to get this deal for a personal card.

Cancelling the card:

• On February 25, 2004, a reader wrote:

  "I tried calling in to cancel my Delta Skymiles Option card (free, but 1 miles for $2) I haggled till they finally offered me to upgrade to Gold with a bonus of 9,000 miles :) I wonder if I can cancel after a few months and a part of fee refunded. The number for Amex customer service who did this was 1 800 528 4800."

• On May 20, 2004, another reader wrote:

  "Originally I did the 10,000 miles, no annual fee for 6 months or a year plus 5,000 extra miles for having an authorized user. Then when I called to cancel, I was given 3,000 and no annual fee for another full year. Then 4 months later was given another 3,000 miles. So I have to date received 21,000 miles with no annual fee."

  However, when I cancelled my card around the same date, I was not given this offer.

• American Express has a policy of giving you a bonus only once in your lifetime. However, if later you see a better bonus, you can apply again and get the difference if you call and ask. On May 6, 2005, a reader told me about an exception to this:

  "My wife and I both had the card a couple of years ago and received 10,000 miles for opening the account. We cancelled after a year to avoid the annual fee. Anyway, we both received emails from Delta in the fall offering us 10,000 miles for obtaining a card with no annual fee for the first year. We both opened accounts, made charges but the bonus points didn't post. After quite a few emails to both Delta and AMEX I finally resorted to making phone calls. I got ahold of someone at AMEX who opened an investigation and the points for both of us recently posted, even though we were told that they wouldn't post if they determined we received points previously."

• No annual fee.
• 20,000 bonus points if you spend £250 in the first 90 days of your account opening.
• 3 miles/£1 spent on BMI purchases.
• 1.5 miles/£1 spent on everyday purchases.
• 0% p.a. on card purchases for 3 months from the date your account is opened.
• The bmi Credit Card is issued by MBNA Europe Bank Limited. It is not an official American Express card.

• No annual fee.
• 2,500 bonus points with your first purchase.
• 3 points/$1 spent on Virgin America purchases.
• 1 point/$1 spent on everyday purchases.
• 0% APR and 1 point/$1 on a balance transfer during the first 30 days after your account is opened — up to 2,500 bonus points. A Balance Transfer fee applies to all Balance Transfers. During the introductory period: 3% of the amount of each transfer, with a minimum fee of $5 and a maximum fee of $50; After the introductory period, 4% of the amount of each transfer with a minimum fee of $1o. See the Cautions section of the Intro page of this Credit Card section to see how to use this balance transfer offer.
• 300 bonus points for every $5,000 you spend per year. (Limit 1,200 annual bonus points.)

• Members with current Amtrak Guest Rewards Select or Select Plus status, with an annual point transfer limit of 50,000
• Cardholders of the Amtrak Guest Rewards® MasterCard® issued by Chase Bank with an Amtrak travel spend on the card of over $200 per calendar year, with an annual point transfer limit of 25,000 per year
• Details.

Best so far Amtrak MasterCard offer:

• 32,000 points for first purchase.
• No annual fee.
• 5% of your points back every time you redeem.
• 2 points/$1 spent on Amtrak purchases.
• 1 point/$1 spent on everything else.

Special Amtrak MasterCard offer:

• 30,000 points for first purchase.
• No annual fee.
• 5% of your points back every time you redeem.
• 2 points/$1 spent on Amtrak purchases.
• 1 point/$1 spent on everything else.

Special Amtrak MasterCard offer:

• 18,000 points for first purchase.
• No annual fee.
• 2 points/$1 spent on Amtrak purchases.
• 1 point/$1 spent on everything else.

The standard Amtrak MasterCard offer:

• 12,000 points for first purchase.
• No annual fee.
• 5% of your points back every time you redeem.
• 2 points/$1 spent on Amtrak purchases.
• 1 point/$1 spent on everything else.

U.S. residents can obtain both the Hilton Visa and the Hilton Amex card. I did when the offers totaled an easy 80,000 free points.

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. Actually using the card would be a very inefficient way of earning HHonors points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,300 HHonors points.

Hilton American Express card:

• 60,000 points offer
  • No annual fee.
  • 60,000 HHonors Bonus Points When you spend $750 in your first 90 days of Cardmembership. The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.
  • 6 HHonors Bonus Points/$1 spent at Hilton Worldwide portfolio of brands, and at supermarkets, drugstores, gas stations, wireless and home phone, internet, cable and satellite TV service providers.
  • 3 HHonors Bonus Points/$1 spent everywhere else.
  • Complimentary Silver status for life of membership.
  • Be sure to make a copy of the offer and application page and its URL.
• 50,000 points offer
  • No annual fee.
  • 20,000 HHonors Bonus Points with your first purchase.
  • 30,000 HHonors Bonus Points When you spend $500 in your first three months of Cardmembership. The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.
  • In your first 18 months of Cardmembership, receive 2,500 HHonors Bonus Points for each of your first four stays at a participating property within the Hilton Worldwide portfolio of hotels when you Charge $100 or more to your Hilton HHonors Card for each of those four stays.
  • 6 HHonors Bonus Points/$1 spent at Hilton Family hotels, and at grocery stores, drugstores, gas stations, wireless and home phone, internet, cable and satellite TB service providers.
  • Receive 3 HHonors Bonus Points/$1 spent everywhere else.
  • Complimentary Silver status for life of membership.
  • Be sure to make a copy of the offer and application page and its URL.
• 40,000 points offer
  • No annual fee.
  • 40,000 Hilton HHonors points after spending $750 on the card in the first three months. That time limit can be seen by hovering over footnote 1 on the application page. The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.
  • 6 Hilton HHonors points/$1 spent at participating Hilton Family hotels
  • 3 points/$1 spent on all other purchases.
• A reader forwarded to me an email that indicates that for a limited time you can earn 5,000 HHonors bonus points for the first additional card you add. The page to which the email links does not mention this offer. I suggest you call customer service after you receive your card, and keep calling until you find a rep who knows about the offer. If all else fails, you could simply order a second card through the link and wait the required 8-12 weeks to see if you get the points. I cannot forward the email to you, as it includes info about the reader.

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

For a quick, free infusion of extra Priority Club points, consider acquiring American Express Cards that earn Membership Rewards points. The cards often waive the annual fee for a year, and then become prohibitively expensive. So cancel before the end of the first year. Actually using the card would be a very inefficient way of earning Priority Club points, but the bonus points for first use would be worthwhile, as each 1,000 Membership Rewards Points convert to 1,000 Priority Club points.

Note: Those seeking Priority Club points should consider also acquiring the Chase Sapphire Preferred Visa Credit Card. Last I looked it offered 50,000 points, convertible to Priority Club points 1,000:1,000, for spending $3,000 in 3 months, and the annual fee was waived for the first year.

• First sign up for Priority Club (free) and copy your membership number.

• Priority Club Select Visa card 60,000 point offer:
  • 60,000 points for first use. Click on Bonus Points near the bottom of the page to see this.
  • The $49 fee is waived the first year.
  • 10% points rebate on Priority Club awards.
  • 5 points/$1 spent at Priority Club hotels.
  • 2 points/$1 spent on gas, groceries & dining.
  • 1 point/$1 spent on everything else.
  • No foreign transaction fees.
  • Gold Elite status. (But see below.)
  • Free night certificate annually after you pay the fee.
  When I received this card I was surprised to discover that I was upgraded to Platinum Status, not just Gold status. This was because the 60,000 points are enough to get that status. Platinum status allows you to have the best available room when you arrive at your hotel. The Jr. Suite at one of our hotels in Italy was a very nice upgrade.

• Priority Club Signature card 30,000 point offer:
  • 30,000 points for first use.
  • 5 points/$1 spent on the card for stays at Priority Club hotels.
  • 2 points/$1 spent on gas, groceries and dining.
  • 1 point/$1 spent on everything else.
  • 10% rebate on all Priority Club point redemptions.
  • Permanent Gold Elite status.
  • No annual fee for one year only, then $49/year.
  • No foreign currency transaction fees.
  • ree night certificate annually after you pay the fee.

• Priority Club Signature card offer:
  • 30,000 points for first use, plus 10,000 more points if you spend $15,000 plus one more transactionon the card annually. It appears to me that in order to get those 10,000 points, you may have to pay the annual fee for the second year.
  • 3 points/$1 spent on the card for stays at Priority Club hotels.
  • 1 point/$1 spent on everything else.
  • Upgrade to Gold Elite status through December of the next year after your card is activated. But allow 6 - 8 weeks after the account is activated for the status to be applied to your account.
  • No annual fee for one year only, then $29/year.
  • The Pricing & Terms page says this there is a 3% foreign currency transaction fee.

• Priority Club Signature Business Card offer:
  • 30,000 points for first use, plus 15,000 more points if you spend $20,000 plus one more transactionon the card annually. It appears to me that in order to get those 10,000 points, you may have to pay the annual fee for the second year.
  • 3 points/$1 spent on the card for stays at Priority Club hotels.
  • 1 point/$1 spent on everything else.
  • No annual fee for one year only, then $29/year.
  • Upgrade to Gold Elite status through December of the next year after your card is activated. But allow 6 - 8 weeks after the account is activated for the status to be applied to your account.
  • No annual fee for one year only, then $29/year.
  • The Pricing & Terms page says this there is a 3% foreign currency transaction fee.

• If there is no better offer listed above, please ask me to refer you to this card, at no cost to you. You still get 15,000 points for first use, no annual fee for the first year, then $29/year thereafter if you keep the card. I get some points for the referral. Please request the referral only if you are certain you will apply for the card and use it at least once. I have a limited number of referrals and would hate to waste them. Thanks.

• Signature card offer:
  • 15,000 points for first use.
  • 10,000 more points if you spend $15,000 on the card annually.
  • $20 statement credit.
  • Upgrade to Gold Elite Status.
  • No annual fee for one year only, then $29/year.
  • If my link doesn't work, try this one.

• Non-U.S. offers:
  • United Kingdom. 25,000 Bonus Points as of March 27, 2010.
  • China. I am told that the offer is 10,000 Bonus Points, but I am unable to read the Chinese.

Points are convertible to miles a many airlines, and can be used to acquire free stays and other goodies. See my description of the program in my Other Programs I Like page.

First enroll in the Marriott Rewards Program, wait 24 hours, and then accept the best available of the offers listed below. Please tell me if any of these offers have expired.

All of the offers listed are for first time customers only. However, I and others I trust have cancelled the card to avoid the fee, waited a few months (I have heard a few months to over a year), and then received the best offer again.

Note: Those seeking Mariott points should consider also acquiring the Chase Sapphire Preferred Visa Credit Card. Last I looked it offered 50,000 points convertible to Mariott points 1:1 for spending $3,000 in 3 months, and the annual fee was waived for the first year.

Marriott Rewards® Premier Credit Card 70,000 point offer

• Same as the 50,000 point offer below, except 70,000 points after first use.
• I found this offer on this Milepoint thread. I could not find it on either the Chase or the Marriott website, so I don't know its origin or whether or not it is targeted. It appears to be from an email to the original poster. The landing page describing the 70,000 point offer is no longer active, but posters on the Milepoint and Flyertalk threads say that the application page still works as of December 29, 2011, even though it does not mention the bonus. The link to the application page can be found in post #1 of the flyertalk thread. Some say that had success by applying for the "official" 50,000 point offer below, then sending a secure email from your online account asking for the additional 20,000 points, giving them the link to the 70,000 point offer. I leave it to you to read the discussions.
• If you already applied for the 50,000 point offer, the secure email suggestion above might work for you.
• Thanks to Million Miles Secrets for promting me to update this information.

Marriott Rewards® Premier Credit Card

• Earn 50,000 Bonus Points after your first use
• Receive 1 free night stay upon account approval and each year upon account anniversary
• Earn 5 points for every $1 spent at Marriott® locations
• Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
• Earn 1 point for every $1 spent on other purchases
• No foreign transaction fees
• Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
• Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

  Apply Now!

Notes:
This link takes you to an offer same as that above except it adds a $75 statment credit after first use. (Via Million Mile Secrets.)
The first year annual fee of $85 is waived.
The 1 free night stay is in a category 1-4 property.
Receive an anniversary bonus of one free night stay at a category 1-5 hotel every year (after you pay the $85 fee).
Receive 15 Nights Credit toward your next Elite membership level every year upon account anniversary (after paying the annual fee).
Earn 1 Elite Night Credit for every $3,000 spent

Marriott Rewards® Credit Card

• Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval
• No Annual fee for your first year - that\'s a $45 value*
• Earn 3 points for every $1 spent at Marriott® locations
• Earn 1 point for every $1 spent on other purchases
• Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
• Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

  Apply Now!

Notes:
The free night stay certificates are for a category 1-4 hotel.
Caution: 3% foreign transaction fee.

Marriott Visa Business card

• 22,500 points for first use
• 3 points/$1 spent at Marriott locations.
• 1 point/$1 spent on everything else.
• Free night's stay at a category 1-4 hotel.
• 10 nights credit towards Elite status every year, giving you at least Sliver Elite.
• Additional Elight night credit for every $3,000 spent on the card.
• 15,000 bonus points after redeeming for a 7 night stay.
• First year annual fee waived.
• Caution: 3% foreign transaction fee.

• 24,000 points when you make your first purchase. 8,000 more points when you pay for your first stay at a Choice Privileges location with your new card. Notice that the small print at the bottom of the offer page say only 8,000 points for first purchase, though the large print says 24,000 points. The terms and conditions accessed from the link on the application page say 24,000 points, hidden near the bottom of that page. Strange. Make a copy of both the application page, the terms and conditions page, and their URLs.
• 5 or 10 points per eligible $1 spent at over 4,200 Choice Privileges locations, depending on the type of property. They advertise more points, but their totals include the points you would receive anyway just for the stay, no matter how you pay for it. Slick.
• 5 points per eligible $1 on additional Choice Privileges points or Choice Hotels gift card purchases.
• 2 points per eligible $1 spent on everyday purchases.
• Automatic Elite Gold Status, which offers the ability to book free nights 40 days in advance instead of 30 days, and a 10% point bonus every time you earn points for eligible stays. This part of the offer is mentioned on the email, but not in the terms and conditions.
• No annual fee.

16,000 point Choice Privileges Visa Card offer

• 16,000 points when you make your first purchase. 8,000 more points when you pay for your first stay at a Choice Privileges location with your new card. (See footnotes 3 and 4.)
• 5 or 10 points per eligible $1 spent at over 4,200 Choice Privileges locations. depending on the type of property. They advertise more points, but their totals include the points you would receive anyway just for the stay, no matter how you pay for it. Slick.
• 5 points per eligible $1 on additional Choice Privileges points or Choice Hotels gift card purchases.
• 2 points per eligible $1 spent on everyday purchases.
• Automatic Elite Gold Status, which offers the ability to book free nights 40 days in advance instead of 30 days, and a 10% point bonus every time you earn points for eligible stays.
• No annual fee.
• The offer says "for a limited time." Please tell me when it changes or disappears. Thanks.

The Choice Privileges Visa Card for Canadians offers

• No annual fee.
• 8,000 points after your first use- that's enough for a free night at over 1,500 locations.
• Up to 15 points for every $1 in net retail purchases at over 5,000 Choice Privileges locations in Canada, the U.S., Europe, Mexico, and Australasia.
• 2 points/$1 spent on everyday purchases.
• Automatic upgrade to Elite Gold status – earning you more points for every eligible stay.

Choice Privileges is the loyalty points program of Choice Hotels (Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and MainStay Suites, EconoLodge, and Rodeway Inns). You may read about it in the Points to Miles section of my Other Programs I Like page. Be sure to join this program and receive a membership number before applying for the credit card. That number will be requested on the application for the credit card.

• Free offer:
  • 12,000 bonus points with first purchase or balance transfer.
  • 3 points/$1 spent on every participating hotel stay.
  • 2 points/$1 spent everywhere else.
  • No annual fee.
• Annual Fee offer:
  • 18,000 bonus points with first purchase or balance transfer.
  • 5 points/$1 spent on every participating hotel stay.
  • 2 points/$1 spent everywhere else.
  • $39 annual fee.
  You can read about the Wyndham Rewards program on my Other Programs I Like page in the Points to Miles, esp. Hotels section.)

   

Canadians are offered 20,000 points and 1.5 points per $1 spent.

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.

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

First join the S&H greenpoints program (free), then read about the card (you must log in first.), then apply for the card at (866) 756-7868.

The card offers 0% interest for 6 months for balance transfers. Call to be sure, but the old offer for this card said that there is a 3% fee, capped at $50, for such a transfer. Be sure to read my cautions on 0% balance transfer offers on the Important Starting Info page of this Credit Card section.

• Save two cents per litre on fuel at participating Petro-Canada retail locations.
• More fuel savings when you swipe a Fuel Savings Reward card.
• Collect Petro-Points everywhere you use the card. As of October, 2009, that was 10 points/$1 spent.

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.

• You are already eligible if you or a family member or house mate work for the federal government or have most any association with the military or a company working for the military or belong to one of a very large number of organizations or work for one of a large number of employers. If none of these apply to you, you can become eligible by joining the National Military Family Association (one time tax deductible $20 fee) or Voices for America's Troops (one time $15 fee, not tax deductible). Anyone can join these. Or see option #6 - apparently you can simply tell them you donated blood to the Red Cross. To see how you can join, just click on one of the banners or links for the cards above. This will bring you to a log in page for members. The right side of that page sends you to joining information.
• Joining also involves a $5 deposit to a PenFed account that earns a minuscule amount of interest. You can then apply that interest to your credit card balance on PenFed's website.
• After you become a member and open your $5 account, please come back to my website and click on my banner to apply for a credit card. It seems that I have not been getting credit for a hunded or so of my readers learning about this card through my website. I suspect that the system "forgets" who referred the prospective member when they click on my link, join, then click on PenFed's link to the card offer. Thanks. Also, please tell me when you have applied for and received the card via my link. I need some hard evidence to convince PenFed that I am not getting the credit they owe me. Thanks much.

The Pentagon Federal Credit Union Platinum Rewards Visa Card is one of my favorite cash back cards. I use it for all of my gasoline purchases. Features:

• No annual fee.
• 5% cash back on gasoline purchases when your card is used at the pump. Posts with each statement, no limit. At $4/gallon, that's a 20 cents per gallon discount. A 16 gallon fill-up gets you $3.20 in your pocket, every time. I believe that using this card for gasoline purchases is far superior to using any airline miles card. Most airline cards will give you 1 mile/$1 spent on gasoline, some more. There are very few people in the world who would value a mile at anywhere near 5 cents.
• 0.25% cash back on all other purchases. Posts with each statement, no limit.
• No foreign currency exchange fee.
• Note the huge advantage that this card has over other cash back cards: You get your money credited to the statement on which the charges appear. There is no minimum amount you must accumulate to get your money.
  • This card is the last one listed on the page you get from my links. The other two are points type cards.
  • The first is a not very interesting American Express card, unless you spend a great deal of money on airfare, which of course you don't, since I tell you how to avoid doing that.
  • The second is an interesting Visa card that gives more points back for grocery (3 points/$1) and other (1 point/$1), as well as the 5 points/$1 for gasoline. You can redeem these points for Visa gift cards at 1 cent per point, starting at 2,500 points. The card has a limited time very good offer of up to 25,000 bonus points - 5,000 for first purchase, and 20,000 more after spending $1,000 in the first three months of opening your card. There is no annual fee and no foreign transaction fee.

Pentagon Federal Credit Union Platinum Promise Visa Card

• Absolutely no fees.
  • No Annual Fee
  • No Foreign Transaction Fee - which makes this quite useful for foreign travel, as most cards charge 3%
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No Late Fees
  • No Over Credit Limit Fee
  • No Penalty APR
• But no cash back or points or other goodies.
• Promise to Go Green: Promise Visa Cardholders must agree to receive all PenFed credit card statements electronically.

Many of my readers seem to like these cards, perhaps because they also get ThankYou points from their Citibank checking accounts. My research assistant, Kelly Posey, assures me that points are convertible to cash or useful travel gift cards. (It appears to me that the best you can do is 1 cent/point, but please correct me if I am wrong.)

Apparently you can redeem points for travel purchases (probably via the ThankYou travel agent) at the rate of 1 Thank You point = 1.33 cents. This is probably a good deal if you travel domestically in cattle class only, but it is usually not a good deal vs. airline miles for cattle class international travel, and is definitely not a good deal vs. airline for business or first class anywhere.

So I relent and list the offers here.

The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more. Also, it points out that the ThankYou cards would be good for families seeking domestic award tickets. If you can get miles awards for only some of your family, you can use the ThankYou Points to get the remaining tickets you need on the same flight.

All of the following offers have no annual fee.

Citi ThankYou(SM) Premier Rewards Card

• Earn 30,000 bonus ThankYou® Points after $2,000 in purchases within 3 months of account opening enough for $300 in gift cards
• 1 ThankYou point for every dollar you spend on purchases
• Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
• No foreign transaction fees on purchases*
• Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
• No points cap and no expiration of points

Apply Now!

The annual $125 fee is waived the first year.
You can earn 200 points for signing-up for Account Online and 200 points for enrolling in Paperless Statements.

Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards

• $250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening
• Earn 1 point for every $1 you spend on all purchases
• Receive an anniversary bonus every year you\'re a cardmember
• No expiration and no limit on the points you can earn
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• No annual fee*

  Apply Now!

Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards

• $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
• 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
• Enjoy no limit on the number of points you can earn
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• No annual fee*

  Apply Now!

• $200 cash back after $500 in purchases within the first 3 months of account opening
• 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
• Each quarter, you can enroll to earn additional cash back in popular categories.
• 5% average cash back at select merchants through Citi Bonus Cash Center®
• Full 1% cash back on all other purchases and eligible cash advances.
• No annual fee*
• Please apply for this card via the CreditCards.com cash back cards section. This helps me at no cost to you. Last time I looked it was on page 1. If you can't find it there, click on Citi Credit Cards in the Search by Bank or Issuer in the left menu.

Here is the schedule of 5% award catetories.

• No Cosigner Required
• Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
• Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
• Earn a full 1% cash back on all other purchases*

Apply Now!

This card has no annual fee.

• Earn $250 Bonus Cash Back after you make $500 in purchases in your first 3 months
• 5% Cash Back on up to $1,500 spent on dining, department stores, movie theaters and charitable organizations from 10/1/11 - 12/31/11. Note that the 2012 categories are not mentioned for this offer. This makes me a bit suspicious that the offer will be honored. Use it at your own risk. The 2012 categories for a card with the same name but with a lesser up front offer can be found in the next offer below.
• You'll enjoy new 5% categories every 3 months like supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases without limits on what you can earn
• Up to an additional 10% Cash Back when you shop online at select merchants through Chase
• No annual fee and rewards never expire.

Best I can tell, this is a points program, where the points can be converted to cash at 1 cent/point, with some minimum involved. This Flyertalk discussion indicates that the points from this card can be transferred to Continental/United Airlines miles via the Chase Sapphire program. And the Chase Ultimate Rewards website indicates that this card can indeed earn the same Ultimate Rewards points as does the Chase Sapphire Preferred Visa Credit Card and the Chase Ink Bold(SM) with Ultimate Rewards business card.

Thanks to Million Mile Secrets for this information. If you applied for the $200 offer, I suggest sending a secure email to Chase asking for the extra $100. Include the link to the $300 offer.

The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.

On July 8, 2011, a reader wrote

I called the number on my Sapphire preferred card, 800-493-3319 and the Chase representitive advised that I was allowed to transfer the Ultimate Rewards points to my Sapphire preferred account due to the fact that it was a preferred account; then I could transfer points from the Shapphire account to my CO One Pass miles account. The transfer between the Freedom and Sapphire account will show up instantly but points going into the One Pass account will take 3-5 business days to show up. All transfers have to be in 1000 point increments.

• This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
• Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
• 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
• You\'ll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• Up to an additional 10% Cash Back when you shop online at select merchants through Chase
• No annual fee and rewards never expire

  Apply Now!

You can see the 5% categories for 2012 by clicking on the "See 2012 Calendar" link in the third bullet of the application page.

Best I can tell, this is a points program, where the points can be converted to cash at 1 cent/point, with some minimum involved. This Flyertalk discussion indicates that the points from this card can be transferred to Continental/United Airlines miles via the Chase Sapphire program. And the Chase Ultimate Rewards website indicates that this card can indeed earn the same Ultimate Rewards points as does the Chase Sapphire Preferred card and the Ink Bold Ink Bold(SM) with Ultimate Rewards.

The Million Miles Secrets blog has compiled an excellent list of over 40 ways to meet the minimum spend requirement. Its readers added more.

On July 8, 2011, a reader wrote

I called the number on my Sapphire preferred card, 800-493-3319 and the Chase representitive advised that I was allowed to transfer the Ultimate Rewards points to my Sapphire preferred account due to the fact that it was a preferred account; then I could transfer points from the Shapphire account to my CO One Pass miles account. The transfer between the Freedom and Sapphire account will show up instantly but points going into the One Pass account will take 3-5 business days to show up. All transfers have to be in 1000 point increments.

• Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
• No annual fee, flexibility to pay over time
• Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
• NO spend minimum, NO enrollment, and NO rotating rewards categories
• Get a $25 Referral Bonus for each friend or family member who is approved for the Card

Blue Sky from American Express(R)

• 1 point/$1 spent. Points are awarded annual, so you may have to wait awhile to get your travel credit.
• Redeem every 7,500 points you earn for a $100 statement credit toward any airline ticket, hotel stay, or car rental.
• No annual fee.
• 0% on Purchases up to 6 months.
• Save big with many leading travel providers like Marriott®, and up to 20% at Hertz®, with the Blue Sky Travel Savings Program.
• Complimentary breakfast on weekend stays at JW Marriott and Renaissance Hotels and Resorts worldwide and receive $100 off your next stay (sort of).
• Click on the Next Benefit buttons to see more bonuses.
• Be sure to hover the footnotes to see the terms and conditions of each bonus.

SimplyCash(R) Business Card from American Express OPEN

• Get 5% cash back on wireless services and office supply purchases.
• Get 3% cash back on automobile gasoline.
• Get 1% cash back on other purchases.
• No limit to the amount of cash back you can earn.
• Cash back on purchases is automatically credited to your statement each month.
• Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®.
• No annual membership fee

The Plum Card(R) from American Express OPEN

• The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
• Pay in full within ten days, get a 1.5% discount.
• OR pay as little as 10% and take up to 2 months to pay off the balance, interest free.
• 0 introductory annual fee for the first year, then $185
• A powerful cash flow management tool.

• TrueEarnings(R) Business Card from Costco and American Express
  
  • Get cash back - 4% for annual gasoline purchases of up to $6,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco.
  • 0% introductory APR on purchases for the first 6 months
  • Flexible payments-pay in full or over time
  • No introductory annual fee with your paid Costco Membership
  • No limit to the amount of cash back that can be earned.
  • Rebate awarded annually in the form of an in-store coupon redeemable for merchandise or cash at any U.S. Costco Warehouse.
  • The TrueEarnings Business Card serves as both your American Express Credit Card and your Costco Membership Card.

• TrueEarnings(R) Card from Costco and American Express
  
  • It's an American Express® Credit Card and a Costco card†
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • 0% intro APR on purchases for 6 months
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
  • No annual fee with your paid Costco Membership.
  • Cash back earnings accumulates over the course of the year and the total is issued to you in your February billing statement.

• You can find this offer on the CreditCards.com cash back cards page. Last I looked it was on page 2. Click to that page from the bottom of page 1, then scroll to "Bank of America® Accelerated Cash Rewards™ American Express® Card - New Bonus Offer". Please tell me when this offer disappears. Thanks.
  • $50 cash back after $50 in retail purchases within the first 60 days of the account opening date.
  • An additional $25 statement credit by using your Card for a qualifying purchase at select merchants.
  • 1.25% cash back on all purchases.
  • No annual fee.

   

• You can find this offer on the CreditCards.com cash back cards page. Last I looked it was on page 1. Scroll to "BankAmericard Cash Rewards™ Visa Signature® Card - $50 Cash Back Bonus Offer". Links to subsequent pages are at the bottom of the page. Please tell me when this offer disappears. Thanks.
  • $50 cash back after $100 in retail purchases within the first 60 days of the account opening date.
  • 3% cash back on gas, grocery, and drug store purchases for the first 6 months.
  • 1% cash back on all other purchases.
  • 25% bonus for all cash reward redemptions of $300 or more.
  • Redemptions start at $25, with the capability to set up automatic redemption.
  • No annual fee.

   

Note that the Fidelity American Express cards charge only a 1% fee for foreign currency transactions, giving you a net profit of 1% on these transactions. The problem, of course, is finding acceptance of American Express cards in foreign countries. Bring a Visa card and a Mastercard as backups. Alas, the Fidelity Visa card charges a 3% foreign currency transaction fee.

• Fidelity Investment Rewards American Express. 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.
• Fidelity Retirement Rewards American Express. For every $2,500 in purchases you make, earn 5,000 points, which can be automatically redeemed for a $50 current-year contribution to your Fidelity IRA account. Note that this means that you must spend at least $2,500 on the card to get a bonus.
• Fidelity 529 College Rewards American Express. For every $2,500 in purchases you make, you earn 5,000 points, which can be automatically redeemed for a $50 deposit to your designated Fidelity 529 account each time you meet this minimum. Note that this means that you must spend at least $2,500 on the card to get a bonus.
• Fidelity Investment Rewards Visa Signature. Earn 1.5 points for each $1 spent on the first $15,000 in purchases per year, and 2 points per $1 in purchases thereafter. Once you reach 5,000 points, points can be automatically converted into a deposit in your eligible designated Fidelity account (5,000 points = $50 deposit.) Note that this means that you must spend at least $3334 on the card to get a bonus.

People report on Flyertalk that the no foreign currently conversion fee works fine until Capital One's ultra sensitive fraud detection software shuts down your card unnecessarily. Then it is generally reported that it is nearly impossible to re-activate your card from a country other than the U.S. So always carry a backup card it you are planning to use a Capital One card in a country outside of the U.S.

To find the cards and help me at no cost to you, please click on CreditCards.com, then in the Search by Bank or Issuer category in the left menu, click on Capital One.

• The No Hassle Cash Rewards Credit Card looks good, as it has no foreign currency transaction fee and gives you cash back for your purchases.
• The Capital One Cash Rewards for Newcomers looks really good to help those new to the U.S. build a credit history. It has no foreign currency transaction fee and gives you cash back for your purchases.
• The Journey Student Rewards from Capital One looks like a good option for students trying to build a good credit history. It has no foreign currency transaction fee and gives you cash back for your purchases.

If you don't find what you want on CreditCards.com, you may use the links below to search further, but please note that you do not help me by applying through those links.

• Capital One Cash Back Cards
• Other Capital One cards.

• Receive a $150 Restaurant.com Gift Certificate with first purchase
• 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
• 2% automatically at any gas station and any restaurant all year long*
• Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
• Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

  Apply Now!

• Limited Time Offer - $0 Balance Transfer Fee!*
• 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Discover is ranked 1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

  Apply Now!

*Intro fee of $0 for transfers that post to your account by 8/10/2012 with the 0% intro APR balance transfer offer described above. After that, 3% of the amount of each transfer.

After clicking on a link above, click on "See 2012 Program Details" to find out the schedule of 5% cash back categories. Note that you must sign up for each 5% program. Note that each category has limits on the amount you may receive as 5% cash back.

This offer is now set to expire February 29, 2012.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

  Apply Now!

The balance transfer fee is 3%, so use this 0% offer for purchases only.

• Get $25 Cashback Bonus® when you make your 1st purchase within 3 months.
• 0% Intro APR on purchases for 6 months, then the variable purchase APR of 13.99%-20.99%.
• 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
• Up to 1% unlimited Cashback Bonus on everything else you buy.
• $0 Fraud Liability
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

  Apply Now!

After clicking on a link above, click on "See 2012 Program Details" to find out the schedule of 5% cash back categories. Note that you must sign up for each 5% program. Note that each category has limits on the amount you may receive as 5% cash back.

• 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
• 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Up to 1% unlimited Cashback Bonus on everything else you buy
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

  Apply Now!