Latest posts
The Discover it® Cash Back card will double all of the cash back you earn in the first year of… Read More »Discover it® Cash Back welcome bonus: $100 through referral links, plus double rewards your first year
How to track your progress toward a BarclayCard welcome bonus
If you’ve recently applied for a new credit card from Barclays, you may be working on earning a new cardmember… Read More »How to track your progress toward a BarclayCard welcome bonus
Barclays AAdvantage® Aviator® Red World Elite Mastercard® welcome bonus
The Barclays AAdvantage® Aviator® Red World Elite Mastercard® currently at least three different welcome bonuses through different channels. You can… Read More »Barclays AAdvantage® Aviator® Red World Elite Mastercard® welcome bonus
New Avianca Amex Cards: Sign up for the waitlist to get 10k bonus miles on a new card sign-up
Avianca and Cardless are gearing up to launch what appears to be two new Avianca LifeMiles American Express cards. They’re… Read More »New Avianca Amex Cards: Sign up for the waitlist to get 10k bonus miles on a new card sign-up
Amex Purchase Protection: Everything you need to know
American Express Purchase Protection is a benefit included on some American Express cards that can cover your purchases if they… Read More »Amex Purchase Protection: Everything you need to know
Chase Sapphire Peloton Offer: Get up to 50,000 bonus points with your Peloton equipment purchase
The Chase Sapphire Reserve® Peloton offer gives you up to an additional 50,000 points on your purchase of Peloton equipment.… Read More »Chase Sapphire Peloton Offer: Get up to 50,000 bonus points with your Peloton equipment purchase
When you get a new Chase Ink Business Unlimited® Credit Card, you can earn $750 in cash back after spending… Read More »Chase Ink Business Unlimited® Credit Card welcome offer: $750 easy cash back as Ultimate Rewards® points
The Ink Business Preferred® Credit Card currently offers a massive 100,000 points to new cardmembers, the biggest bonus we’ve ever… Read More »Best-ever Ink Business Preferred® Credit Card bonus: 100k points, good for $1,250 through Chase Travel℠
Chase refer a friend: Earn bonus points when your friends get a new credit card.
If you have a Chase credit card, you might be able to earn points or cash back by referring friends… Read More »Chase refer a friend: Earn bonus points when your friends get a new credit card.
Ink Business Premier® Credit Card welcome bonus: $1,000 cash back
The Ink Business Premier® Credit Card currently offers a $1,000 cash back bonus for new cardmembers. Here are the details.… Read More »Ink Business Premier® Credit Card welcome bonus: $1,000 cash back
Should you upgrade your credit card?
You’re considering upgrading your credit card. Maybe you’re thinking of applying for a new premium credit card, but you have… Read More »Should you upgrade your credit card?
Featured articles
The best cash back welcome bonuses – The biggest bonuses if you’re interested in earning cash back.
Easy cash back welcome bonuses – Welcome bonuses that earn $200 or more for $1,000 of spending or less.
Bank rewards program welcome bonuses
Chase Ultimate Rewards welcome bonuses
Citi ThankYou Points welcome bonuses
Airline miles credit card welcome bonuses
Alaska Airlines welcome bonuses
American Airlines welcome bonuses
Delta Air Lines SkyMiles welcome bonuses
Southwest Airlines welcome bonuses
United Airlines welcome bonuses
Hotel point credit card welcome bonuses
Hilton Honors welcome bonuses
Hyatt welcome bonuses
Marriott Bonvoy welcome bonuses
Every welcome bonus – Searchable database of every welcome bonus we track
(scroll down for more of our latest posts)
I’m Aaron Hurd, one of the foremost experts in credit cards, travel rewards, and loyalty programs. You might have seen one of the hundreds of articles I’ve written for places The Wall Street Journal, Time, Forbes, Nerdwallet, The Points Guy, Bankrate, Rolling Stone, and countless other publications. Or you may have run into me or seen me speak at an event like the Chicago Seminars, New York Times Travel Show, Fincon or Frequent Traveler University. Regardless of how you came to this site or where you are on your credit journey, welcome. 🙂
I launched this site because I saw a need to provide better information about credit cards and travel rewards. My goal is to build the best resource on the internet for you, whether your objective is to build your credit, put more cash in your wallet, better use your credit card benefits, or take your family on vacation.
Our promise to you is simple: We keep you, the reader, at the top of our priority list. We show you how to use your credit card rewards and benefits in ways that are relevant to you. And we have a little fun doing it.
Latest posts
Here’s the latest stuff we’ve published on our blog.
- Discover it® Cash Back welcome bonus: $100 through referral links, plus double rewards your first year
The Discover it® Cash Back card will double all of the cash back you earn in the first year of being a cardmember, but if you apply through a referral link, you can earn an extra $100 statement credit. Here are the welcome offers you’ll see on the card: Here’s what you need to know… Read More »Discover it® Cash Back welcome bonus: $100 through referral links, plus double rewards your first year - How to track your progress toward a BarclayCard welcome bonus
If you’ve recently applied for a new credit card from Barclays, you may be working on earning a new cardmember welcome bonus. Barclays makes it easy to track your progress toward earning your bonus. Here’s how you can track the status of your welcome bonus through the Barclays website or the Barclays mobile app. Tracking… Read More »How to track your progress toward a BarclayCard welcome bonus - Barclays AAdvantage® Aviator® Red World Elite Mastercard® welcome bonus
The Barclays AAdvantage® Aviator® Red World Elite Mastercard® currently at least three different welcome bonuses through different channels. You can earn more miles, or choose to earn fewer miles and get a $0 introductory annual fee. Here are the currently available bonuses on this card: Here’s what you need to know about the current new… Read More »Barclays AAdvantage® Aviator® Red World Elite Mastercard® welcome bonus - Best-ever Ink Business Preferred® Credit Card bonus: 100k points, good for $1,250 through Chase Travel℠The Ink Business Preferred® Credit Card currently offers a massive 100,000 points to new cardmembers, the biggest bonus we’ve ever seen on this card. This bonus is worth $1,000 when you redeem your points for cash or $1,250 when you redeem your points through Chase Travel. That makes this bonus simultaneously one of the best… Read More »Best-ever Ink Business Preferred® Credit Card bonus: 100k points, good for $1,250 through Chase Travel℠
- Chase refer a friend: Earn bonus points when your friends get a new credit card.If you have a Chase credit card, you might be able to earn points or cash back by referring friends through Chase’s Refer-A-Friend program. Through Chase’s refer-a-friend program, you can earn cash back or points when your friends apply and are approved for new Chase credit cards. Chase referral links are easy to generate and… Read More »Chase refer a friend: Earn bonus points when your friends get a new credit card.
- Ink Business Premier® Credit Card welcome bonus: $1,000 cash backThe Ink Business Premier® Credit Card currently offers a $1,000 cash back bonus for new cardmembers. Here are the details. This is one of the largest and best cash back welcome bonuses currently available. Here’s what you need to know about the Ink Business Premier® Credit Card new cardmember bonus: Best bonus: Online Ink Business… Read More »Ink Business Premier® Credit Card welcome bonus: $1,000 cash back
- Chase Freedom Unlimited®: Three welcome bonuses to choose from: $200 after $500 or extra 1.5% on $20k online, plus in-branch 5% gas and grocery offerThe 5% gas and grocery welcome offer lives on! Recently, I confirmed that the 5% gas and grocery offer on the Chase Freedom Unlimited® is still available, but it is now an in-branch exclusive welcome offer. Before you apply for a Chase Freedom Unlimited, be sure you’re getting the best new cardmember welcome bonus. Here… Read More »Chase Freedom Unlimited®: Three welcome bonuses to choose from: $200 after $500 or extra 1.5% on $20k online, plus in-branch 5% gas and grocery offer
- Am I eligible for a new Chase Sapphire welcome bonus?
The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® offer a welcome bonus. But if you’ve had either card before, you should know the Chase Sapphire welcome bonus rules. These rules determine if you can get a welcome bonus on a new Sapphire Preferred or Sapphire Reserve card. Here’s what you need to know. Even… Read More »Am I eligible for a new Chase Sapphire welcome bonus? - The best cash back credit card welcome bonuses: $500+ cash back for new cardsThe best cash back welcome bonuses can earn you up to $500 or more of cash back when you get a new credit card and meet minimum spending. Here are the best cash back incentives for new credit cards that we have found. The best welcome bonuses for cash back Ink Business Preferred® Credit Card:… Read More »The best cash back credit card welcome bonuses: $500+ cash back for new cards
- How to enroll in your Amex Benefits: Enroll to get statement credits and moreMany American Express cards offer benefits that require enrollment. These “enrollment required” benefits like statement credits or Priority Pass lounge access can provide a large amount of the value that your Amex card offers. And it’s important to enroll because, without enrollment, you won’t be eligible to get these benefits. Here’s our quick guide on… Read More »How to enroll in your Amex Benefits: Enroll to get statement credits and more
- Chase Sapphire Peloton Offer: Get up to 50,000 bonus points with your Peloton equipment purchaseThe Chase Sapphire Reserve® Peloton offer gives you up to an additional 50,000 points on your purchase of Peloton equipment. The Chase Sapphire Preferred® offers a similar promotion, where you can earn up to 25,000 points. Whether you’ve lusted after the Tread+ since the original Tread+ was discontinued in May 2021, and finally plan to… Read More »Chase Sapphire Peloton Offer: Get up to 50,000 bonus points with your Peloton equipment purchase
- MYS Buying Group: Is it really back?MYS Buying Group is one of the oldest buying groups that many use to earn extra miles, points, and cash back. Resale through buyers groups can be a great way of earning a massive number of miles and points or consolidating spending for a welcome bonus. To learn more about, check out our overview of… Read More »MYS Buying Group: Is it really back?
- New Avianca Amex Cards: Sign up for the waitlist to get 10k bonus miles on a new card sign-upAvianca and Cardless are gearing up to launch what appears to be two new Avianca LifeMiles American Express cards. They’re promising an extra 10,000 miles if you sign up for their “waitlist” and later apply and are approved for the card. Most LifeMiles members in the U.S. appear to have gotten this email. While the… Read More »New Avianca Amex Cards: Sign up for the waitlist to get 10k bonus miles on a new card sign-up
- The best cards for Costco: Get the most rewards from these cards.
The Costco credit card, surprisingly, isn’t the best card to use at Costco in most cases. While the Costco Anywhere Visa® Card is great for gas and is a decent card for rewards on travel purchases, you might be surprised that other cards earn better rewards at Costco and on Costco.com. Here are the cards you… Read More »The best cards for Costco: Get the most rewards from these cards. - Chase Trip Delay Reimbursement: Your ticket to a hotel room if you’re delayed overnightChase trip delay insurance, which it brands as Trip Delay Reimbursement, can cover the cost of a hotel room and other reasonable expenses if your travel that you book using the card is delayed. Chase Trip Delay Reimbursement is included as a card benefit on several of the bank’s premium travel cards and can provide… Read More »Chase Trip Delay Reimbursement: Your ticket to a hotel room if you’re delayed overnight
- Best public Blue Cash Preferred® Card welcome bonus: $250 after $3,000 spentThe Blue Cash Preferred® Card from American Express is one of my favorite cards to use for my grocery purchases thanks to the card’s generous rewards at U.S. supermarkets. Currently, the best public offer on the Blue Cash Preferred card is $250 cash back after you spend $3,000 on the card within 6 months. Plus,… Read More »Best public Blue Cash Preferred® Card welcome bonus: $250 after $3,000 spent
- Chase Sapphire Preferred® Card welcome bonuses: Increased 75k online offer, 85k in-branch offerUpdate May 2, 2024: Chase has launched a new limited-time 75k welcome offer on the Chase Sapphire Preferred® Card. The Chase Sapphire Preferred® Card currently offers a 75,000 point new cardmember welcome offer online, and we’ve also confirmed that an 85,000 point offer is available in-branch. Here are the details: Here’s what you need to… Read More »Chase Sapphire Preferred® Card welcome bonuses: Increased 75k online offer, 85k in-branch offer
- Amex Offers: A free perk of Amex cards that gives you extra points and rebates savings on things you buy anyway.May 8, 2024: A bunch of new Amex offers popped up on my cards in the last few days. The recent offers section of this post has been updated. Amex Offers are the American Express variant of card-linked offers, similar to Citi Merchant Offers, BankAmeriDeals, and Chase Offers. These are deals that you can load… Read More »Amex Offers: A free perk of Amex cards that gives you extra points and rebates savings on things you buy anyway.
- Citi Strata Premier: New card from Citi coming soon with 75k welcome bonus
Several blogs are now reporting on a Citi Strata Premier card which is expected to launch soon. Here’s what we know about the card. This is a developing story and we’ll update this post as we find out more information about the card. Nothing below is confirmed by the issuer yet. Launch date and timeframe… Read More »Citi Strata Premier: New card from Citi coming soon with 75k welcome bonus - Citi® Dividend Card Review: Keep it if you have it for 5% cash back in rotating categories
The Citi® Dividend Card offers 5% cash back quarterly rotating categories. Unlike other cards that cap quarterly bonus category rewards, the Citi Dividend rewards are capped at an annual limit of $300 of rewards. The annual rewards cap means you can get 5% on up to $6,000 of purchases, once during the year. Cards and… Read More »Citi® Dividend Card Review: Keep it if you have it for 5% cash back in rotating categories - Discover it® Cash Back review: 5% on categories + double rewards in the first year
Discover it® Cash Back is a rewards credit card offering 5% cash back in categories that rotate quarterly. The card is great for people who want to focus on cash-back earnings and enjoy the mild gamification of 5% rotating category rewards. Cards and Points Rating: 4.0/5 Our 30 second review of the Discover it® Cash… Read More »Discover it® Cash Back review: 5% on categories + double rewards in the first year - 14% cash back on groceries with Chase Freedom Flex℠? Yes, please!Today, Doctor of Credit posted about a 10% welcome bonus on grocery purchases that was popping up on the Chase website as a new cardmember welcome bonus on the Chase Freedom Flex℠. We were able to independently confirm this welcome offer, which, if maximized, could mean $1,200 (as 120,000 Ultimate Rewards® points) if you maximize… Read More »14% cash back on groceries with Chase Freedom Flex℠? Yes, please!
- 9% cash back stack on gas and groceries is alive and well in-branch with Chase Freedom Flex℠ welcome offer!Update May 6, 2024: In late April, we confirmed that the 5% gas and grocery offer is alive an well, but available just as an in-branch offer. If you can make it into a Chase branch, you can get 9% cash back on your gas and grocery purchases with a new Chase Freedom Flex℠. Learn… Read More »9% cash back stack on gas and groceries is alive and well in-branch with Chase Freedom Flex℠ welcome offer!
- Chase Freedom Flex℠ welcome bonuses: $200 cash back after spending $500 + 5% gas and grocery offer in-branch or 10% grocery offer online?!?Update May 6, 2024: Chase.com is showing a 10% grocery store offer for some people. Details below. You can earn a $200 cash back welcome offer after spending $500 on a new Chase Freedom Flex℠ card within the first 3 months, but you can get an extra 5% gas and grocery offer if you apply… Read More »Chase Freedom Flex℠ welcome bonuses: $200 cash back after spending $500 + 5% gas and grocery offer in-branch or 10% grocery offer online?!?
- Blue Cash Preferred® Card from American Express Review: Market-leading cash back on groceries + benefitsThe Blue Cash Preferred® Card from American Express offers because of its top-of-market cash back on groceries at U.S. supermarkets, good rewards on gas, and extended warranty, purchase protection, and return protection benefits. It’s one of our favorite credit cards and one that we think most consumers should have in their wallets. Cards and Points… Read More »Blue Cash Preferred® Card from American Express Review: Market-leading cash back on groceries + benefits
- Blue Cash Everyday® Card from American Express: 3% on groceries, gas and online shopping.The Blue Cash Everyday® Card from American Express offers an easy way to get a decent amount of cash back rewards on groceries, gas, and online shopping. But most families can earn rewards and get better benefits from the Blue Cash Preferred® Card from American Express. Cards and Points Rating: 4/5 – This card can… Read More »Blue Cash Everyday® Card from American Express: 3% on groceries, gas and online shopping.
- The best credit cards to use at Target: Get up to 6% rewardsYou might know that the Target RedCard offers a 5% discount on almost everything you buy at Target, but there are other cards that offer more rewards (up to 6%) and valuable benefits like extended warranty benefits. These are the best credit cards to use at Target The best credit cards to use at Target… Read More »The best credit cards to use at Target: Get up to 6% rewards
- Disney Bundle credits: How to get a 70% Disney+ discount using a no annual fee credit card
If your family subscribes to Disney+, using an American Express card that you can get with no annual fee, you can get up to an effective 70% discount on the base Disney+ Duo Basic subscription. The best part is that this discount is NOT just an introductory offer. This is an ongoing 70% discount on… Read More »Disney Bundle credits: How to get a 70% Disney+ discount using a no annual fee credit card - Chase Freedom Unlimited® Review: An essential 1.5% everywhere card with bonus categoriesThe Chase Freedom Unlimited® is a no-annual-fee credit card that offers solid rewards everywhere, paired with bonus rewards on dining and drugstores and valuable consumer benefits like an extended warranty. Cards and Points Rating: 5/5 The following offer is the best offer available online, but as of publication, there was a better offer available in-branch.… Read More »Chase Freedom Unlimited® Review: An essential 1.5% everywhere card with bonus categories
- Chase Sapphire Reserve® welcome bonus: Limited-time 75k offer now available online!May 2, 2024: Our speculation ended up being correct and Chase launched the 75,000 point Chase Sapphire Reserve® welcome offer online today. The Chase Sapphire Reserve® Card currently offers a 75,000 point new cardmember welcome offer online, which is the highest offer we’ve seen on this card since 2022. This offer matches the current in-branch… Read More »Chase Sapphire Reserve® welcome bonus: Limited-time 75k offer now available online!
- The best Chase Ultimate Rewards® welcome bonuses: New 75k Sapphire Preferred® and Sapphire Reserve® bonuses.May 2, 2024: Today, Chase launched new limited-time welcome bonuses on the Chase Sapphire Preferred® and Chase Sapphire Reserve® online. This means that all of the personal credit cards that earn Ultimate Rewards® have some form of increased new cardmember welcome bonus available. Current Ultimate Rewards® credit card welcome bonuses Here are the best available… Read More »The best Chase Ultimate Rewards® welcome bonuses: New 75k Sapphire Preferred® and Sapphire Reserve® bonuses.
- Chase Ultimate Rewards® Guide: Transferable points with cash redemption optionsChase Ultimate Rewards® is a transferable points rewards program that offers travel rewards, cash back rewards, and point transfers to partners. Cards earning Ultimate Rewards® include no-annual-fee cards like the Chase Freedom Flex℠ and Chase Freedom Unlimited®, the premium travel credit cards like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, and small business… Read More »Chase Ultimate Rewards® Guide: Transferable points with cash redemption options
- Flying Blue Promo Rewards for May 2024: Minneapolis, Los Angeles, and Austin get the love. Plan your summer vacation now.
Every month, on the first weekday of the month, Air France/KLM releases its Flying Blue Promo Rewards. These promo rewards offer some of the best ways to use your miles and transferable points to get between Europe and the United States. This month’s deals include flights in economy from several U.S. gateways, making it a… Read More »Flying Blue Promo Rewards for May 2024: Minneapolis, Los Angeles, and Austin get the love. Plan your summer vacation now. - Changes to The Hilton Honors American Express Business Card: Loss of rewards, free nights, and Priority Pass
Update May 1, 2024: A quick reminder to plan your spending on this card over the next two months if you are an existing cardmember. Only spending prior to June 30, 2024 will count toward earning free night certificates—that benefit is eliminated completely for existing cardmembers as of July 1, 2024. Recently, American Express announced… Read More »Changes to The Hilton Honors American Express Business Card: Loss of rewards, free nights, and Priority Pass - Should I close credit cards I don’t use? Probably not: They strengthen your credit score.If you’ve got a credit card or two sitting around that you don’t use, you might be wondering if you should close your unused cards. While you might be tempted to immediately close any card that you aren’t using, keeping a $0 annual feee card open can help strengthen your credit score. Plus, you might… Read More »Should I close credit cards I don’t use? Probably not: They strengthen your credit score.
- Amex Trip Delay Insurance: Up to $500 of expenses reimbursed for travel delays.American Express trip delay insurance can cover expenses like food, transportation, and lodging when you book your airfare or other common carrier tickets with your card and your trip is delayed significantly for a covered reason. This insurance is included on several premium credit cards like The Platinum Card, Delta SkyMiles® Reserve American Express Card.… Read More »Amex Trip Delay Insurance: Up to $500 of expenses reimbursed for travel delays.
- Chase Roadside Assistance: Credit card roadside assistance that pays for service callsA small handful of premium Chase credit cards offer complimentary roadside assistance, which covers $50 in services up to four times a year while traveling in the U.S. and Canada. Here’s what you need to know about Chase credit card roadside assistance. Chase roadside assistance at a glance What is covered Up to $50, 4… Read More »Chase Roadside Assistance: Credit card roadside assistance that pays for service calls
- Marriott’s new cardmember welcome bonus rules explainedIf you’re looking for a new cardmember welcome bonus on a Marriott credit card, you may have noticed that every new Marriott card comes with a long list of cases where you may not be eligible for the bonus. In this post, I’ve tried to make the rules behind the Chase and Amex new cardmember… Read More »Marriott’s new cardmember welcome bonus rules explained
Other resources
5% big box cards
Target Red Card – 5% discount at Target
Best cards for…
Find the best cards for spending at places like grocery stores, electronics stores, and more.
- Discover it® Cash Back welcome bonus: $100 through referral links, plus double rewards your first year
- How to track your progress toward a BarclayCard welcome bonus
- Barclays AAdvantage® Aviator® Red World Elite Mastercard® welcome bonus
- Best-ever Ink Business Preferred® Credit Card bonus: 100k points, good for $1,250 through Chase Travel℠
- Chase refer a friend: Earn bonus points when your friends get a new credit card.
Useful benefits
- Alaska’s Famous Companion Fare
- Amex Business Platinum Wireless Credit: $10 per month toward your mobile phone bill
- Amex extended warranty: The low-hassle credit card extended warranty
- Amex Purchase Protection: Everything you need to know
- Amex Trip Delay Insurance: Up to $500 of expenses reimbursed for travel delays.
- Annual travel credits
- Auto rental collision damage waiver insurance
- Best cards for airport lounge access: Get into an airport lounge for free with these cards
- Capital One Venture X travel credit: $300 toward bookings with Capital One Travel
- Car rental insurance: These cards cover you with primary insurance in the U.S. on most rentals
- Cell phone protection: Pay your monthly bill with your card, get protected against damage and theft for free.
- Chase extended warranty benefits: An extra year of protection on many items you buy
- Chase Roadside Assistance: Credit card roadside assistance that pays for service calls
- Chase Trip Delay Reimbursement: Your ticket to a hotel room if you’re delayed overnight
- Citi extended warranty: The best extended warranty available on a credit card
- Credit cards with a free hotel night: Get or earn a free hotel stay with these cards
- Delta free checked bag: How to get free checked bags with Delta
- Delta/Amex Resy Credit: Statement credit for dining with Resy restaurants
- Disney Bundle credits: How to get a 70% Disney+ discount using a no annual fee credit card
- How to find your Chase credit card benefits
- Purchase protection: Protection for your new purchases against damage and theft
- Return protection: A guarantee that you have up to 90 days to return purchases.
- Roadside assistance benefits
- The one card wallet
- Trip delay insurance: Your ticket to a hotel room when your flight cancels
- Valuing credit card benefits: How much YOU value them is all that matters.
- Walmart+ Credits: Get a free Walmart+ membership with these cards.
- Your monthly credit-card to-do list
Targeted offers
Some cards have opt-in offers that can save you money or earn you more cash back.
Amex Offers
Bank AmeriDeals
Chase Offers
Citi Merchant Offers
All about rewards
Overviews of rewards programs, plus the best welcome bonuses in each program
Bank program guides
Amex Membership Rewards
Capital One Miles
Chase Ultimate Rewards
Citi ThankYou Points
