Top Deals

UPDATED July 13th, 2014

Below you will find what I consider to be the “Top Deals” available on the market right now for earning frequent flyer miles, and other cards available to fly and travel for free.

Please comment at the bottom of the page or e-mail me if you find a better offer, or have questions! Some cards pay me a referral if you apply through my link and are approved, but I will always post the best offer available that I’m aware of – whether it is my link or not! As always, email me with any questions and thank you for supporting this site by using my links!

As always, I recommend that you know your credit score and know what’s in your credit report before applying for any of these cards. The general rule of thumb is that most of these premium rewards cards should be applied for by people with credit scores above 700 and great credit reports. People new to credit cards, young people, students, and people with low scores can see student cards available at the bottom of the page.

CLICK HERE to get a Free Credit Score & Credit Report with your free account here from Credit Sesame! (this is not an ad, but it is my referral link)

To learn more about your credit score, & what’s in your credit report, read my 3 post series here:
http://travelandcredit.com/category/beginners-steps-2/

These are credit cards!  Be responsible.  Pay your bills on time.  Earn Miles.  Get free flights.  Repeat.

 

TOP DEALS THAT AREN’T CREDIT CARDS:

 

 

TOP PERSONAL CREDIT CARD DEALS:

 

  • 100,000 American Airlines AAdvantage miles from the Citi Executive World Mastercard after spending $10,000 in 3 months. $450 Annual Fee NOT WAIVED 1st year. Card comes with Admirals Club Lounge Access, no foreign transaction fees, first checked bag free, and 10k Elite miles after $40k spend in 1 year. You can churn this card and receive 2 every 65 days w/apps separated by at least 8 days. I have received 2, and have read of people with 6 already! Call 1(800) 695-5171 for pending app to speak to a live rep.    CLICK HERE TO APPLY  (updated July 13th, 2014 and should work!)
    Lower Spends:
    - 75,000 AA miles Citi Exec card after $7,500 spend in 3 months. $450 Ann Fee NOT WAIVED. CLICK HERE TO APPLY
    - 60,000 AA miles Citi Exec card after $5,000 spend in 3 months. $450 Ann Fee NOT WAIVED. CLICK HERE TO APPLY
  • 50,000 American Airlines AAdvantage Miles from the Citibank Platinum Mastercard after spending $3,000 in 3 months. Receive 10% of your redeemed miles back each year up to 10k miles. Earn 1 mile per dollar spent on purchases, & 2 miles per dollar on AA flights. No Annual Fee first year, $95 after.  **Ever changing rules on churning this card. General assumption as of 8/29/13 is that you can get a new personal card 12-26 months (avg 18 months) after applying for a personal card before. You can get the Citi Executive card (above) repeatedly after this card though if you get this one first. Stay up to date with this Flyertalk thread** CLICK HERE TO APPLY

 

  • Barclaycard Arrival Plus™ World MasterCard®  Earn 40,000 bonus miles if you make $3,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip booked on the card when redeemed, and you receive 10% back, so actually $440+!. No foreign transaction fees, free FICO score access, and points don’t expire as long as your account is open & in good condition. Arrival points are some of the easiest points to redeem that I’ve ever used. They can be redeemed for any travel booked on your credit card as a statement credit for example – flights, rental car, hotel, cruise, travel agency, etc… You earn 2 points per $1 spent on everything and you also get 10% of the points back that you redeem, so this is actually worth over 46,000 points after making the minimum spend and getting points back when redeeming! I have this card personally and love it. No Annual Fee first year, $89 after. CLICK HERE TO APPLY

 

  • Barclaycard ArrivalTM World MasterCard®  **The NO annual fee version of the Arrival Plus card above. Earn 20,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip booked on the card when redeemed, and you receive 10% back, so actually $220+!. No foreign transaction fees, free FICO score access, and points don’t expire as long as your account is open & in good condition. You earn 1pt per $1 spent on everything. No annual fee.  CLICK HERE TO APPLY

  • 45,000 Ultimate Rewards points for the Chase Sapphire Preferred Visa Signature credit card. Receive the 1st 40k points after spending $3,000 in 3 months, and an additional 5k points for adding an authorized user and making 1 purchase. Earn 2 points per dollar on all travel & dining spend, 1 point per dollar on everything else. You also earn a 7% annual bonus on all points earned.  No Annual Fee first year, and NO foreign transaction fees! Ultimate Rewards points transfer at a 1:1 ratio to United, Southwest, British Airways, Hyatt, Marriott, Priority Club, Amtrak & more…  Aside from transferring your points, you can also book travel on the Ultimate Rewards site for a value of 1.25 cents per mile, so a $200 flight would only cost 16,000 miles.  This card is always in my wallet, and is easily one of my all-time favorite credit cards for traveling! 45K VISA SIGNATURE – CLICK HERE TO APPLY

 

  • 40,000 US Airways Dividend Miles from the Barclays Premier World Mastercard after your FIRST PURCHASE! $89 Annual fee 1st year. Earn 2 miles per dollar on US Airways purchases & 1 mile per $ on everything else. 10,000 miles towards elite status, two $99 companion tickets annually, preferred check in & boarding, 1 club pass, & a 5,000 mile discount on awards for being a preferred cardmember so a 25,000 mile award flight only costs you 20,000 miles, etc. US Airways is now part of the Oneworld alliance so you can book AA flights with these now!  CLICK HERE TO APPLY
  • 35,000 Hawaiian Airlines miles from Barclays Hawaiian Airlines World Elite Mastercard after spending $1,000 in first 3 months. $89 Annual Fee NOT WAIVED 1st year. 1st checked bag free, one time 50% off coupon for coach travel US-Hawaii on Hawaiian Airlines, NO foreign transaction fees, 2 miles per $1 spent on Hawaiian airlines and 1 mile per $1 on everything else.  5,000 bonus miles for $10k Annual spend, and $100 coupon off a companion ticket for coach travel US-Hawaii on Hawaiian airlines at anniversary date. You can transfer these to Hilton points at 1:1.5 ratio in increments of 10,000 point transfers so this sign-up bonus can be worth over 50k Hilton points if you’d like.  CLICK HERE TO APPLY        
  • 55,000 United Milageplus miles from Chase United Explorer Visa Signature card after spending $2,000 in first 3 months and adding an authorized user and SECURE MESSAGING TO BUMP BONUS. Link is for 30,000 miles after $1k spend in 3 months. Myself and Flyertalk report lots of success in matching the bonus. No foreign transaction fees, Ann Fee Waived 1st year, $95/year after. CLICK HERE TO APPLY

 

  • 85,000 Club Carlson points from US Bank Club Carlson Premier Rewards Visa Signature. 50k points 1st purchase and another 35k points after spending $2,500 in first 3 months. Earn 10 points per $1 on Club Carlson spend and 5 points per $1 on all other spend. Comes with Gold Elite status, 2nd award night free on award redemptions of 2+ nights, and 40,000 annual anniversary point bonus. $75 Ann Fee NOT WAIVED.  CLICK HERE TO APPLY

 

  • 40,000 Wells Fargo points & $100 airline fee credit from the new Propel World American Express credit card after spending $3,000 in the first 3 months. No foreign exchange fee, Annual fee waived 1st year ($175 after). Earn 3pts per $1 spent on airlines, 2pts per $1 on hotels, and 1pt per $1 on all other purchases. Points can be redeemed for $400 in gift cards, cash, or redeemed at 1-1.5cpp in travel on their website worth $400-$700 in travel. CLICK HERE TO APPLY

 

  • 50,000 Virgin Atlantic Flying Club miles or 75,000 Hilton HHonors from the Bank of America Virgin America – American Express credit card. Virgin miles transfer at a 1:2 ratio to Hilton! Earn 20,000 Flying Club miles after your first purchase, and an additional 25,000 bonus miles after you spend $2,500 in 90 days, and 5,000 miles for adding an authorized user. Earn 3 miles per $1 spent on Virgin Atlantic flights, & 1.5 miles per $1 on all other purchases. Annual fee of $90 (not waived). CLICK HERE TO APPLY

 

  • 60,000 Hilton HHonors points & Gold Status from the American Express Surpass credit card after spending $3,000 in the first 3 months. Card comes with Hilton Gold status which includes free internet and breakfast on your Hilton stays along w/bonus points, and possible room upgrades which can be quite valuable. Earn 12 Hilton points per $1 spent at Hilton, 6 at restaurants, & 3pts on all other spend. Earn Hilton Diamond status (the highest available) by spending $40,000 in a calendar year.  Annual fee of $75 is NOT waived 1st year but the Gold Status may be worth it to you. CLICK HERE TO APPLY 

 

  • 50,000 Hilton HHonors points from the American Express Hilton card with NO annual fee *Expires 9/15/14* after spending $750 in the first 3 months. Earn 7 Hilton points per $1 spent at Hilton, 5 at restaurants/gas stations/supermarkets, & 3pts on all other spend. Earn Hilton Diamond status (the highest available) by spending $40,000 in a calendar year.  No Annual Fee ever on this card. CLICK HERE TO APPLY 

 

  • 60,000 Hilton HHonors points from Citi Hilton card after spending $1,000 in first 4 months. No Annual Fee EVER and this card can be churned repeatedly following Citi card guidelines of no more than 2 apps in 65 days and they must be separated by at least 8 days. I have personally received 3 of these cards and have read reports of people with over a dozen! Earn 6pts per $1 on Hilton spend, 3pts per $1 on grocery, supermarket, & gas purchases, & 2pts per $1 on all other purchases. Silver Elite status comes with card which gets you your 5th night free on all awards. CLICK HERE TO APPLY

 

  • 25,000 Starwood Preferred Guest (SPG) hotel points from the American Express SPG credit card. Receive the 1st 10,000 points after 1st purchase, and another 20,000 bonus points after spending $5,000 in the first 6 months. Points are transferable to a large number of airlines at a 1:1 ratio with a 5,000 point bonus for every 20,000 points you transfer, including: American Airlines, British Airways, US Airways, Virgin, Delta, Hawaiian, & more! Also redeemable at Starwood hotels for free nights or cash & points including luxury SPG brands like Sheraton, Westin, St Regis, W Hotels, Le Meridien, Aloft, etc.. Earn up to 5 points per $1 spent at Starwood hotels, & 1 mile per $1 everywhere else. No Annual Fee first year.  CLICK HERE TO APPLY

 

 

TOP BUSINESS CREDIT CARD DEALS:


  • 50,000 American Airlines AAdvantage Miles from the Citibank Business AA Mastercard credit card after spending $3,000 in 3 months. Receive 10% of your redeemed miles back each year up to 10k miles. Earn 1 mile per dollar spent on purchases, & 2 miles per dollar on AA flights. No Annual Fee first year, $95 after.   CLICK HERE TO APPLY
    *Not a big spender? 35,000 Miles AA Biz card after spending $1,500 in 3 months
  • 50,000 Ultimate Rewards points from the Chase Ink Bold Business CHARGE card (No Pre-Set spending limit) after spending $5,000 in 3 months. Good for $625 in travel, or the points transfer instantly at a 1:1 ratio to: United, Southwest, Hyatt, Marriott, Priority Club, British Airways, Ritz Carlton etc. See more at www.ultimaterewards.com   Earn 5 points per $1 on the first $50,000 spent at office supply stores, cable/wireless service/landline communications, and 2 points per $1 on the first $50,000 spent on gas/hotels, & 1 point per $1 spent everywhere else. No Foreign Transaction Fee, and No Annual Fee first year.  CLICK HERE TO APPLY

 

  • 50,000 MORE Ultimate Rewards points from the Ink PLUS CREDIT CARD. It’s the same card as above but this is the credit card version instead of a charge card like the Ink Bold.  In other words, you can keep a balance on this card instead of having to pay all in full like you do on a charge card. I never recommend keeping a balance on a credit card though. Be responsible! Same terms – after spending $5,000 in 3 months. Yes, you are allowed to have BOTH versions! CLICK HERE TO APPLY 

 

  • 85,000 Club Carlson points from US Bank Club Carlson Business Rewards Visa. 50k points 1st purchase and another 35k points after spending $2,500 in first 3 months. Earn 10 points per $1 on Club Carlson spend and 5 points per $1 on all other spend. Comes with Gold Elite status, 2nd award night free on award redemptions of 2+ nights, and 40,000 annual anniversary point bonus. $60 Ann Fee NOT WAIVED.  CLICK HERE TO APPLY
  • 25,000 Starwood Preferred Guest (SPG) hotel points from the American Express SPG business credit card after spending $5,000 in 6 months. Points are transferable to a large number of airlines at a 1:1 ratio with a 5,000 point bonus for every 20,000 points you transfer, including: American Airlines, British Airways, US Airways, Virgin, Delta, Hawaiian, & more! Also redeemable at Starwood hotels for free nights or cash & points including luxury SPG brands like Sheraton, Westin, St Regis, W Hotels, Le Meridien, etc.. Earn up to 5 points per $1 spent at Starwood hotels, & 1 mile per $1 everywhere else. No Annual Fee first year.  CLICK HERE TO APPLY

 

STUDENT / LOW CREDIT SCORE CARDS:

  •  Discover It Student Card - A great beginners credit card for college students with little/no credit with surprisingly AMAZING benefits! Earn 5% cashback on rotating categories and 1% cash back on ALL purchases! No annual fee. No overlimit fee. No pay-by-phone fee. No foreign transaction fee. And no late fee for your first late payment. Plus they won’t raise your APR for paying late. CLICK HERE TO APPLY


 

 

 

DISCLAIMER // PRIVACY POLICY:
I am not a licensed financial adviser, and everything stated on this website is strictly opinion. Opinions expressed on this website are strictly opinions, and should not be acted on by any user. You take full responsibility of your actions and deem both David Morrison, and Travel and Credit LLC exempt of all liabilities resulting from your actions.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

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42 Comments

  1. These are GREAT deals! Let me know what you guys think!

  2. Chris Smith says:

    This consolidates the flyertalk stuff so I don't have to dig through it, thanks!

  3. Jason Fowler says:

    what is your credit score?

  4. Yogi Allgood says:

    I love this. Good job David!

  5. Kevin Dunlap says:

    Any of these out there for cruise line/vacation packages? I love the idea of travelling places I've never been but would also love to do a nice cruise or an all-expenses resort like Sandals in Jamaica. I've had trouble finding any that are good deals myself.

    • None of the points programs allow you to redeem for points for cruises DIRECTLY, but you can apply points from points earning cards like Chase, American Express, or Capital One towards travel usually around 1 cent per mile. Other than that, these cards are mostly ideal to redeem for flight rewards OR hotel rewards. The SPG card has a "Night & Flights" option that lets you redeem points for both airline miles AND nights at their resorts. Several options available.

    • Kevin Dunlap says:

      word i'll check out the SPG card for sure, it probably won't be my first though. i'll let you know when i get it so you can get the referal.

  6. Kevin Dunlap says:

    FYI – I think the CitiBank American Express/Visa cards might be 40,000 points in sign-up bonuses now. Your link is to the enrollment page but if you go on their website and find the exact same card.

    The new offer (which still isn't bad) is 30,000 points for spending $750 in the first 4 months and 10,000 bonus points for spending $5,000 in the first 6 months.

    • admin says:

      The bonus that Citi publishes on their website is as you stated, yes… But that’s not the best offer. The best offer is the one I have posted and it is still working. Citi does that a lot, as does the Chase Southwest card.

      • Shane says:

        David, I clicked on those offers too and it just takes me to the Citi main page. It doesn’t actually pull up the offer you have linked. What’s the solution you think to apply for the 50K offer? When on their site, they seem to make you select one of their listed options which are the 30K + 10K after spends. Thanks man!

        • admin says:

          The first 2 deals are the Citi AA 50k cards, and I just clicked both links and they work. There’s no landing page that shows the offer, which is how it’s always been. They work though last I checked. I’ll update if anything changes.

    • There's lots of different AA offers, but the one's above are for 50,000.

  7. James Debono says:

    if only this all applied to Australians!

  8. Just a smiling visitant here to share the love (:, btw great style .

  9. jacob glass says:

    Hey im 18 and have never had a card. Ive always been fasinated by travel and i feel like Gods calling me to go go go. I was just wondering where i should start. I love for today also haha you guys are the best. Tell mattie hes a beast!

    • admin says:

      Everybody starts somewhere! I’d recommend reviewing student credit cards and credit cards for people with bad/no credit. Try to find one with no annual fee. Follow my advice on credit and credit reports on the beginners steps posts, and your score should start improving. Within a year of responsible credit card usage and on time payments, you could probably apply for a mileage earning card from American Express.

  10. DealsSeeker says:

    Hey T&C,
    New info. on Fidelity promos. Can now do any of the airlines, can be an existing customer of Fidelity for UA and AA miles too. BUT…
    Can only do them every 12 months now. But cycling seems to still work.
    See ya around,
    DealsSeeker

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