Earn 20K Amex Points With Pay Over Time

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CURRENT OFFER
120,000
Chase Ultimate Reward Points
after you spend $8,000 on purchases in the first 3 months after account opening
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
It’s tough to find a better business card with transferable points. Businesses can earn 3x points on a bunch of categories up to $150k per year. Plus, it comes with a great cell phone protection benefit.
CURRENT OFFER
60,000
Chase Ultimate Reward Points
after you spend $4,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
A go-to for beginners. It's an easy way to earn more points with bonus categories on travel, dining and more. Plus, you can transfer points to airline and hotel partners.
CURRENT OFFER
$750
Cash Back
after you spend $6,000 in 3 months.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Unlimited to airline and hotel partners.
CURRENT OFFER
Up To $750
Cash Back
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
While listed as a cashback card, you can combine the points you earn with another Ultimate Rewards card. That will allow you to transfer the points from the Ink Cash to airline and hotel partners.
CURRENT OFFER
75,000
Chase Ultimate Rewards Points
Earn 75,000 bonus points after you spend $4,000 in the first 3 months of account opening.
ANNUAL FEE
$550
Terms apply
WHY WE LIKE IT
The big brother of the Sapphire Preferred, it's a good option if you want lounge access and the ability to redeem points at 1.5 cents per point.
CURRENT OFFER
85,000
Avios
Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Earn a Travel Together (2-for-1) ticket after spending $30,000 in a calendar year.
CURRENT OFFER
85,000
Avios
Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
10% discount on Iberia flights and a $1,000 discount voucher if you spend $30,000 in a calendar year.
CURRENT OFFER
85,000
Avios
Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Earn a Companion Ticket after spending $30,000 in a calendar year.
CURRENT OFFER
3
Free Nights
Earn 3 free nights (up to 50,000 each) after you spend $5,000 on purchases in the first 3 months from account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
You’ll receive an annual free night certificate (worth up to 35k points) and 15 elite night credits which make it much easier to earn Platinum Elite status.
CURRENT OFFER
70,000
Aeroplan Points
Earn 70,000 Aeroplan points if you spend $4,000 in 3 months plus 30,000 more Aeroplan points if you spend a total of $20,000 in the first 12 months.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
An easy way to earn points for award tickets on Star Alliance carriers, Etihad, and more. 3x at grocery stores is a great bonus category.
CURRENT OFFER
75,000
United Miles
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A solid option to earn some more United miles for United or Star Alliance flights.
CURRENT OFFER
70,000
United Miles
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
The United Quest Card is probably the co-branded United card overall with a nice bonus plus ways for United flyers to offset the annual fee.
CURRENT OFFER
90,000
United Miles
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$525
Terms apply
WHY WE LIKE IT
The best perk is the United Club membership. When flying United or Star Alliance carriers, this provides access to United Clubs (plus children or two guests) and many Star Alliance business class lounges (plus one guest on your flight).
CURRENT OFFER
60,000
United Miles
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
The Explorer Card lost a bit of its luster with the launch of the Quest Card. However, with a good welcome bonus, the lower annual fee and free checked bag perk might be enough for some folks.
CURRENT OFFER
60,000
Bonus Points
65,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
ANNUAL FEE
$199
Terms apply
WHY WE LIKE IT
A solid welcome bonus plus the ability to earn elite nights per $10,000, it’s a great business card option for those who like Hyatt.
CURRENT OFFER
175,000
IHG Points
Limited Time offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A solid option for business owners (and anyone with a side hustle) to earn some IHG points.
CURRENT OFFER
5 Free Night Awards
Bonus Points
Earn 5 free night awards (worth up to 60,000 points each) after spending $4,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A free night certificate on your account anniversary worth up to 40k points, 4th night free on award bookings, and Platinum Elite status make this a card worth considering.
CURRENT OFFER
$200
Cash Back
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Earn 5% cash back on combined gas station and grocery store purchases (not including Target and Walmart) on up to $12,000 spent in the first year.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and 1.5% back on all other spend, this is a great supplementary card.
CURRENT OFFER
30,000
Bonus Points
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
You’ll get an annual free night certificate for a Category 1-4 property and you can earn a second by spending $15,000 in a year. You’ll get 5 elite nights each year with the card plus you can earn 2 elite nights per $5,000 spent.
CURRENT OFFER
$200
Cash Back
after you spend $500 in the first 3 months. Plus earn 5% cash back on up to $12,000 spent on grocery store purchases in your first year (excluding Target and Walmart). Note: These card details have been collected independently by STTP and have not been provided by the card issuer.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
It might technically earn cashback but, when paired with a Sapphire or Ink Preferred, your points can be transferred to partners. Thanks to great 3% bonus categories and rotating quarterly 5% bonus categories, this is a great supplementary card.
CURRENT OFFER
85,000
Rapid Rewards® Points
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$149
Terms apply
WHY WE LIKE IT
Quite possibly the best personal Southwest card of the bunch. You get 4 upgraded boardings each year, 7,500 Rapid Rewards points upon renewal, and a $75 Southwest credit each year. And, of course, it can help you earn the Southwest Companion Pass.
CURRENT OFFER
85,000
Rapid Rewards® Points
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$69
Terms apply
WHY WE LIKE IT
With no annual fee, this card can help you earn the Southwest Companion Pass. You’ll also receive 2 upgraded boardings each year as well as 3,000 Rapid Rewards points upon renewal.
CURRENT OFFER
60,000
Rapid Rewards® Points
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
A cheaper alternative to the Southwest Priority card, you’ll receive 2 upgraded boardings each year as well as 6,000 Rapid Rewards points upon renewal. Points you earn with this card count toward the Southwest Companion Pass.
CURRENT OFFER
100,000
Bonus Points
Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Even with no annual fee, you can get a 4th night free on your award stays. Personally, I’d prefer the IHG Premier Card.
CURRENT OFFER
80,000
Rapid Rewards® Points
after you spend $5,000 on purchases in the first 3 months from account opening.
ANNUAL FEE
$199
Terms apply
WHY WE LIKE IT
A great option to help you earn the Southwest Companion Pass. Plus, you’ll receive 4 upgraded boardings each year and 9,000 Rapid Rewards points upon renewal.
CURRENT OFFER
75,000
Capital One Miles
once you spend $4,000 on purchases within 3 months from account opening plus a $250 Capital One Travel credit.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
It’s a solid card that earns 2x on everything if you’re nervous about the Venture X’s annual fee. Still, anyone who travels a decent bit should really consider the Venture X. Just run the numbers and you’ll see!
CURRENT OFFER
Up to 175,000
Membership Rewards® Points
Earn 175,000 after you spend $8,000 on purchases in your first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$695
Terms apply
WHY WE LIKE IT
A great card for lounge access, statement credits, and premium cabin flight discounts. The best offer is currently via personal referral. Click "Learn More" below to apply via referral.
CURRENT OFFER
Up to 100,000
Membership Rewards® Points
after you spend $6,000 in eligible purchases on your American Express Gold Card within the first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer. Open browser in Incognito mode for the best chance at the 100,000 offer.
ANNUAL FEE
$325
Terms apply
WHY WE LIKE IT
One of the best cards for earning Amex points thanks to 4x on groceries (up to $25k per year) and 4x at restaurants. The best offer is currently via personal referral.
CURRENT OFFER
150,000
Membership Rewards® Points
Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases with your Card within the first 3 months of Card Membership.
ANNUAL FEE
$695
Terms apply
WHY WE LIKE IT
A card packed with perks and statement credits for small business owners.
CURRENT OFFER
Up to 150,000
Membership Rewards® Points
after you spend $10,000 in eligible purchases on the Card within your first 3 months of Card Membership. See the card review for details on getting the best offer. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$375
Terms apply
WHY WE LIKE IT
Earn 4x on a bunch of categories on up to $200k per calendar year. It's possible to get a welcome offer for 130k points but it's highly targeted.
CURRENT OFFER
75,000
Venture Miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
ANNUAL FEE
$395
Terms apply
WHY WE LIKE IT
One of my favorite cards on the market right now. I regularly use it to earn 2x on spend that otherwise would earn 1x. Throw in lounge access and up to 3 free authorized users (who also get lounge access), and you have something special.
CURRENT OFFER
75,000
Citi ThankYou Points
after making $4,000 in purchases with your card within the first 3 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Not only is this card the best way to start earning valuable ThankYou Points, but it has some great 3x bonus categories and an annual $100 hotel credit. Not bad for a card with a low annual fee.
CURRENT OFFER
150,000
Venture Miles
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
ANNUAL FEE
$395
Terms apply
WHY WE LIKE IT
An easy way to earn 2x on all of your business spend and get a bunch of travel perks.
CURRENT OFFER
$750
Cash back
when you spend $6,000 in the first 3 months of account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Listed as a cashback card, you can turn the cash into transferable points by moving the ot to a card that earns Capital One miles (e.g. Venture X).
CURRENT OFFER
$1,200
Cash back
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
ANNUAL FEE
$150
Terms apply
WHY WE LIKE IT
Listed as a cashback card, you can turn the cash into transferable points by moving the ot to a card that earns Capital One miles (e.g. Venture X). It’s also a charge card so there’s no set limit if you have large business expenses.
CURRENT OFFER
100,000
AAdvantage Miles
Earn 100,000 miles after $10,000 in purchases within the first 3 months of account opening. Plus, enjoy a complimentary Admirals Club membership (a value of up to $850).
ANNUAL FEE
$595
Terms apply
WHY WE LIKE IT
The Citi AAdvantage Executive card is designed for people who regularly fly American Airlines and want lounge access. You can also get a Loyalty Points boost to help you earn the next level of elite status with American AAdvantage.
CURRENT OFFER
75,000
AAdvantage Miles
after spending $5,000 in purchases within the first 5 months of account opening.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
This card offers a great welcome bonus that can help you book some fun business (and first) class flights. You also get a free checked bag on domestic American flights.
CURRENT OFFER
50,000
AAdvantage® Miles
after $2,500 in purchases within the first 3 months of account opening. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
If you need a big chunk of American miles and would like a free checked bag on your domestic American flights, look no further.
CURRENT OFFER
75,000
Alaska Miles
Get 75,000 bonus miles plus Alaska’s Famous Companion Fare from $122 ($99 fare plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account. Plus, get an additional 5,000 bonus miles when you apply today through this application and make the same qualifying purchases. Use any 6-digit referral code when applying Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$70
Terms apply
WHY WE LIKE IT
Alaska miles are great for business and first class flights to Asia. It may be possible to get a better offer by going through the process to book flight.
CURRENT OFFER
75,000
Alaska Miles
Get 75,000 bonus miles plus Alaska’s Famous Companion Fare ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Alaska miles are great for business and first class flights to Asia. Currently, this is your best option for earning Alaska miles.
CURRENT OFFER
Up to 70,000
AAdvantage® Miles
after making your first purchase in the first 90 days. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$99
Terms apply
WHY WE LIKE IT
Quite possibly the easiest welcome bonus to earn as you’ll need to make just one purchase. It doesn’t hurt that the miles you’ll earn are valuable American miles.
CURRENT OFFER
95,000
Marriott Bonvoy Points
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
ANNUAL FEE
$125
Terms apply
WHY WE LIKE IT
A solid welcome bonus, 15 elite night credits each year, plus an annual free night certificate (up to 35,000 points) makes this a solid business card option for those who stay with Marriott.
CURRENT OFFER
50,000
Capital One Miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
A slightly cheaper alternative to the Spark Cash Plus. You still earn 2x on all spend but you’ll have a credit limit. If you don’t have as much business spend, this could be a good choice to earn Capital One miles.
CURRENT OFFER
175,000
Hilton Honors Points
after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/31/2024. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$450
Terms apply
WHY WE LIKE IT
Provides Diamond status which makes it an excellent card for those who regularly stay at Hilton properties. You’ll also receive a free weekend night certificate your first year and after you renew each year.
CURRENT OFFER
70,000
Flying Blue Miles
Earn 70,000 Bonus Miles and 40 XP after you make at least $2,000 in purchases within the first 90 days of your account opening. You'll also earn 60 XP upon approval. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$89
Terms apply
WHY WE LIKE IT
3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines
CURRENT OFFER
40,000
Membership Rewards® Points
Earn 40,000 Membership Rewards Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$150
Terms apply
WHY WE LIKE IT
A lower annual fee than the Platinum or Gold, the Green Card is a solid earner with 3x on dining and travel. You’ll also get an annual $100 credit for both a CLEAR membership and LoungeBuddy. Just make sure you apply for the best welcome offer.
CURRENT OFFER
20,000
ThankYou Points
when you spend $1,500 in the first 6 months
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Pair this no annual fee card with the Citi Premier and the cash back you earn can become transferable ThankYou Points. Since you’ll earn 2x on all purchases, this card makes sure you never have to earn 1x.
CURRENT OFFER
130,000
Hilton Honors Points
after you spend $3,000 in purchases on the Card in the first 6 months Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
Cardholders receive complimentary Hilton Gold status. Earn a Free Night Reward when you spend $15,000 in a calendar year. Earn Diamond by spending $40,000 on the card in a calendar year.
CURRENT OFFER
175,000
Hilton Honors Points
after spending $3,000 within the first three months. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$95
Terms apply
WHY WE LIKE IT
As a cardholder you’ll get Hilton Gold status which provides free breakfast at many Hilton brands. Additionally, you can earn up to two free weekend night certificates. You’ll also receive 10 passes to Priority Pass lounges.
CURRENT OFFER
70,000
Hilton Honors Points
Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Cardholders receive Hilton Silver status. Earn Gold Status when you spend $20,000 on the Card in a calendar year.
CURRENT OFFER
Ending soon
155,000
Bonus Points
Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer ends May 1, 2024.
ANNUAL FEE
$250
Terms apply
WHY WE LIKE IT
CURRENT OFFER
Ending soon
185,000
Marriott Bonvoy Points
Earn 185,000 Marriott Bonvoy points after you spend $6,000 in purchases on the Card in your first 6 months. Offer ends May 1, 2024.
ANNUAL FEE
$650
Terms apply
WHY WE LIKE IT
The annual $300 Marriott credit plus an annual free night certificate worth up to 50,000 points can really help offset the annual fee. It also comes with Priority pass Select membership so you can access plenty of airport lounges.
CURRENT OFFER
100,000
Wyndam Points
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$75
Terms apply
WHY WE LIKE IT
You get complimentary Platinum status + 7,500 points on your account anniversary.
CURRENT OFFER
100,000
Wyndam Points
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Note: These card details have been collected independently by STTP and have not been reviewed or provided by the card issuer.
ANNUAL FEE
$75
Terms apply
WHY WE LIKE IT
You get complimentary Diamond status + 15,000 points on your account anniversary.
CURRENT OFFER
50,000
Miles & More Points
Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
ANNUAL FEE
$89
Terms apply
WHY WE LIKE IT
With Lufthansa Miles & More miles, you can access Lufthansa first class award space earlier than Star Alliance partners.
CURRENT OFFER
up to 100,000
Bilt Rewards points
Up to 100,000 Bilt Rewards points on rent per year. Use the card 5 times during statement period to earn points.
ANNUAL FEE
$0
Terms apply
WHY WE LIKE IT
Most people can't earn points on rent easily or without paying processing fees. The Bilt Card solves that problem. Plus, the card comes with other useful benefits.

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