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With the right credit card, you can earn up to 6% cash back on food purchases. Some cards even offer big signup bonuses. Here’s are list of the best credit cards for groceries in 2018.

best credit cards for groceries

One of the easiest ways to get more money back on your credit card is to use a card with hefty rewards for grocery spending. After all, everyone spends money on food, right? In fact, groceries are probably a big chunk of your budget, especially if you’re feeding kids.

So why not stretch your grocery dollars further by using a great cash back or rewards credit card that gives you bonuses for grocery store spending?

Here, we’ll look at six cards that are great for grocery spending. With each card, we’ll calculate the approximate benefit you could get from the card if you spend $600 per month, or $7,200 per year, at qualifying grocery stores. Remember, though, that your mileage may vary.

Blue Cash Preferred® Card from American Express

If you can qualify for this premier rewards card, it’s one of the best options around for grocery-related spending. It gives you 6% cash back on up to $6,000 per year in U.S. supermarket purchases. After that, you get 1% cash back on grocery purchases. You’ll also get 3% cash back at U.S. gas stations and some department stores, and 1% cash back on everything else.

The Blue Cash Preferred® Card from American Express does carry a $95 annual fee. But right now, you can easily outearn that fee just with the bonus. When you spend $1,000 in purchases in the first three months of card ownership, you’ll get a $200 statement credit–enough to cover more than your first two years’ worth of annual fees.

Potential Earnings: $477 in the first year (earnings on grocery spending plus the $200 bonus, less the $95 annual fee)

Blue Cash Everyday® Card from American Express

Blue Cash EverydayDon’t quite have the credit score needed to qualify for the Blue Cash Preferred? The Blue Cash Everyday® Card from American Express is another excellent option, which carries no annual fee.

With this card, you can get 3% cash back at U.S. supermarkets on your first $6,000 per year in purchases, and then 1% cash back after that. You’ll get 2% cash back at U.S. gas stations and some department stores, and 1% cash back on everything else. Plus, when you spend $1,000 in the first three months of card ownership, you’ll get a $150 cash back bonus. And this card has no annual fee.

Potential Earnings: $342 (earnings on grocery spending plus the $150 bonus)

Discover it® Cashback Match™

This card has rotating categories, so you’ll only get the hefty cash back rewards on groceries for part of the year. However, it’s got a great matching program right now that doubles your first year’s cash back rewards at the end of the year.

For the rotating categories, you’ll get 5% cash back on up to $1,500 in purchases in that category for the quarter. In 2018, the first and fourth quarters’ categories include wholesale clubs, and the second quarter’s category is grocery stores. So we’ll say you can get that 5% cash back on $3,500 of your grocery purchases in a year.

After you hit the cap and for the rest of the year, you’ll get 1% cash back on groceries and everything else. This card has no annual fee.

Potential Earnings: $424 ($3,500 at 5% cash back and the rest at 1%, doubled for the first year)

Premier Rewards Gold Card from American Express

This points-based credit card is great for saving up for travel rewards, even as you spend on groceries. It offers 2X points on spending at U.S. supermarkets, but you can also get 3X points on flights booked directly with the airline, 2X points on restaurant and gas station spending, and 1X points on everything else.

With this card, you’ll earn 25,000 bonus points when you spend $2,000 in the first three months of card membership. The annual fee is $0 for the first year, but $195 per year after that. This card requires that you pay off the balance in full each month unless you participate in the Pay Over Time feature for certain charges.

Potential Earnings: 39,400 points, worth about $748 according to this valuation (earnings on groceries plus the bonus, but remember the annual fee kicks in on the second year)

Bank of America® Cash Rewards Credit Card

If you split your grocery shopping between regular stores and wholesale stores, this might be the card you’re looking for. While many cards prohibit bonus points at wholesale stores, this one includes them. You’ll get 2% cash back at both grocery and wholesale stores and 3% back on gas, plus 1% cash back on everything else.

The catch is that you’ll only get those rewards on up to $2,500 in grocery and gas purchases each quarter. We’ll say you use another credit card for cash rewards, though, so you can get the full 2% cash back, in our example, for all your grocery purchases. The card has no annual fee and a $150 bonus when you spend at least $500 within three months of opening your account.

Potential Earnings: $294 (grocery cash back earnings plus $150 bonus)

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card requires excellent credit, but it’s a great go-to card for all of your purchases, especially if you don’t want to deal with remembering multiple bonus categories. It offers a flat 1.5% cash back on every purchase, plus a $150 bonus cash back when you spend $500 within three months of opening your account. It has no annual fee.

Potential Earnings: $258 (grocery earnings plus $150 bonus)

Which is Right for You?

Clearly the winner based on straight-up value driven in the first year is the Premier Rewards Gold Card from American Express. But since it requires excellent credit, a hefty annual fee, and acts more like a charge card, it’s not the right option for everyone.

So be sure you’re choosing the right card for your particular needs. Here’s what you need to think about as you choose:

  • Your Credit Score: If you have low-to-average credit, don’t apply for a credit card that is clearly for those with excellent credit. Start with one of the lower-credit options, and then work your way up. (Find out more about improving your credit score here.)
  • The Annual Fee: If you spend a lot on groceries, you can likely outearn the annual fee on most of these cards, especially with the first year bonus many cards offer. But if your spending is lower, make sure you’ll earn enough in rewards to offset the annual fee. If not, consider going with a card with no annual fee, even if the rewards aren’t as strong.
  • Your Shopping Habits: If you spend at wholesale stores often, consider a card that boosts those rewards, as well. Always be sure to check the fine print to see which stores or types of stores the credit card company includes. If you shop at smaller chains, for instance, your shopping may not be counted in the right category.
  • The Other Rewards: If you don’t mind carrying several credit cards for different purposes, this is less important. Choose the one that will give you the most bang for your buck with grocery spending. But if you only want to carry one or two credit cards, look for one that gives preference to the type of spending you do most, or that gives a solid cash back reward across the board.
  • Reward Options: Most of the cards on this list are cash back, which is an easy way to take advantage of rewards. But if you travel frequently, you might want a card that offers travel-based rewards. The American Express card is so valuable because when you use points for travel-related purchases, they’re typically worth more than percentage-based cash-back points.

Our Recommendations

Again, you have to use the above factors to decide which of these credit cards–or any others out there–will work best for your needs. But here are a few recommendations based on different situations:

The Busy Family: Blue Cash Preferred® Card from American Express

  • If you’re feeding two or more kids, you likely spend enough on groceries to max out that $6,000 per year cap on the American Express Blue Cash Preferred. Add the gas you buy to shuttle the kids around town and your back-to-school shopping at local department stores, and you could be looking at hefty cash back.  If you have the credit to qualify for this card, you can easily out-earn the $95 annual fee just by using it consistently. And if you don’t meet the credit qualifications, the American Express Blue Cash Everyday comes in a close second.

The Stockpiler: Discover it® Cashback Match™

  • This year, the Discover it category rotation features wholesale stores twice. Unless you spend at these stores often, you may need to do some pre-planning to take advantage of the generous 5% cash back in these quarters. But if you don’t mind stockpiling giant packs of toilet paper and jars of ketchup, this could result in a really good deal, especially the first year.

The Traveler: Premier Rewards Gold Card from American Express

  • Many travel rewards credit cards don’t favor grocery spending at all, so when you find one that does, you might want to snap it up. If you travel frequently, the points from this card could seriously come in handy. Just remember you need great credit to qualify, and you’ll need to pay off the card every month.

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We cover the best airline miles credit cards of 2018. You’ll find airline-specific cards and offers that can be used with any airline. Our top pick offers up to a $625 signup bonus.

best airline miles credit cards

The cost of flying is going up. Airlines continue to add a variety of fees to compensate for keeping fare prices low to compete with each other. Adding to the base cost of a flight are fees like fuel surcharges, checked baggage fees, and in-flight fees for food, drinks, headphones and pillows. Some airlines are now even charging for carry-on luggage. Some of the best airline miles credit cards allow customers to waive a few of these excessive fees. The are also accompanied by a quality rewards program. These features help customers save money on fees as well as apply discounts to fares.

These are the best airline miles credit cards available to consumers today. If you fly frequently on any of the below airlines, you could save thousands of dollars in airfare every year. Even less frequent travelers will still be able to save money. If you own a card not on this list, leave a comment and tell us why you love it.

Editor’s choice

Chase Sapphire Preferred Card: New card holders for the Chase Sapphire Preferred Card can qualify for 50,000 bonus points by spending $4,000 on purchases during the first three months of card ownership. These points can be redeemed for $625 in travel rewards when booked through Chase Ultimate Rewards. This makes it the most valuable card for airline travel available today.

The card also includes a reward program, with 2X points for every dollar spent for travel expenses and dining at restaurants. As well as offering the standard 1X point for every dollar spent on all other purchases. The card has no foreign transaction fee plus Chip and Signature enabled for international travel.

There is a $95 annual fee, but it’s waived for all first year cardholders.

Other Top Airline Credit Card Offers

Capital One Venture Rewards Credit CardCapital One® Venture® Rewards Credit Card: With the Venture card you can earn 40,000 bonus miles when you spend $3,000 on purchases within the first three months. These bonus miles are worth $400 when redeemed for travel. You’ll also earn two miles for every $1 in purchases charged to the card. There is a $0 intro annual fee the first year, but $95 annual fee thereafter.

For a limited time, Capital One is offering a killer promotion when you book through hotels.com. Using the Hotels.com/Venture link, you’ll earn 10 miles for every dollar spent!

There are no foreign transaction fees associated with any Capital One product but there is also no intro APR to speak of.

Starwood Preferred Guest® Credit Card from American Express: The Starwood Preferred American Express is ideal for those who frequently stay at Starwood properties. You’ll receive 25,000 bonus Starpoints after you use the card to make $3,000 in purchases in the first three months. There are no foreign transaction fees, and get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.

Cardholders receive two Starpoints for every dollar spent at participating SPG and Marriott Rewards hotels and one Starpoint per dollar spent on all other purchases.  When you combine those points with the Triple Starpoints you earn when you become a Starwood rewards member, this card has the potential of earning you five points per dollar spent on Starwood and Marriott brands.

This card carries a $95 annual fee, waived for all first year members.

Southwest Airlines Rapid Rewards Card: New cardholders of the Southwest Rapid Rewards Premier Credit Card will earn 50,000 points after spending $2,000 on purchases in the first three months. Two points per dollar spent are earning on Southwest purchases and Rapid Rewards hotel and card rental partner purchases and single points per dollar spent are earned elsewhere.

Every year you remain a Southwest cardholder, you’ll earn a 6,000 bonus points (credited on your anniversary date). There are no foreign transaction fees to worry about, no blackout dates or seat restrictions and as always on Southwest flights, bags fly free.

The annual fee is $99 (and it is NOT waived for the first year).

Gold Delta SkyMiles® Credit Card from American Express: You earn 30,000 bonus miles after you make $1,000 in purchases on your new card within the first three months of card membership.

  • With the Gold Delta SkyMiles® Credit Card from American Express, you earn 2 miles per dollar spent on purchases made directly with Delta.
  • Earn 1 mile for every dollar spent on all other eligible purchases.
  • Take advantage of premium travel perks such as priority boarding when you book a flight with and fly Delta.
  • Check your first bag free on every Delta flight–that’s a savings of up to $200 per round trip for a family of four.

This card has a $0 introductory annual fee for the first year. After that, the annual fee is $95. (Terms and conditions apply.)

  • Learn more about this card HERE

Capital One® VentureOne® Rewards Credit Card: This is the no annual fee version of the Venture card. In exchange for avoiding the annual fee, the benefits are bit lower. You can earn 20,000 bonus miles when you spend $1,000 on the card in the first three months. And for every $1 charged to the card, you earn 1.25 miles.

With the fees on some of the airline miles cards, becoming a member may not be worthwhile, unless you pay your bill in full every month and fly frequently for the points to be more worthwhile than a cash back card. Many cards have fees. So consider whether you will use the card enough to justify the amount of those annual fees. Using an airline miles card also ties you into using a specific airline. If you fly the same route frequently, you may already have that level of loyalty.

This card also includes the same Hotels.com promotion, where you can earn 10 points per dollar spent using the link Hotels.com/Venture

Important Note! The information in this article is believed to be accurate as of the date it was written. Please keep in mind that offers change frequently. Therefore, we can not guarantee the accuracy of the information in this article. Please verify all terms and conditions of any credit or charge card prior to applying.

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See if this offer of a totally free credit score is legit in our review of Credit Karma. We cover what they offer, how it works, what you get, and if it’s truly free.

credit karma review

You’re probably familiar with Credit Karma from their ads on TV, and especially on the web. They’re  an online credit score provider. And they provide those scores for free. Does that get your attention? It should because Credit Karma provides a pretty solid package.

About Credit Karma

Credit Karma launched 2007 and began offering free credit scores in 2008. Now more than 75 million people use its service. It works on a simple premise: sign up for the service, and get your credit scores for free. 

It’s easy enough to see how that kind of offer would take off. They sold me on the service. I joined a couple of years ago and can report that I’m pleased with what I’m getting. Credit Karma won’t change your life. But it will let you keep an eye on your credit score on an ongoing basis, and that’s important in today’s world.

One of the advantages that Credit Karma offers over most other free credit score services is that you get two scores, one each from TransUnion and Equifax. Most other free credit score services offer only one.

Also, as the years have passed and the service has grown, they have expanded their menu of products and services.  As you’ll see in this review, Credit Karma has grown to be a full-fledged credit services provider. They’ve even recently added a tax preparation service to the list.

How Credit Karma Works

When you sign up for Credit Karma you’ll have instant access to your most recent credit scores from TransUnion and Equifax. The scores are updated every 30 days and are available on your Credit Karma Dashboard at any time.

One of the things I like about the service is that you get more than just your credit scores. Each score has a Score Details link. It brings you to a page that gives you the reasons for that score. The information provided comes close to being a full-blown credit report. And from what I’ve seen, the information is accurate and up-to-date.

The link shows the five categories used to determine your score:

  • Credit card use
  • Payment history
  • Derogatory remarks
  • Credit age
  • Hard inquiries

(With regard to inquiries, the credit information drawn by Credit Karma isn’t charged as an inquiry on any of your credit reports, so that won’t be a concern.)

Details are provided under each of the five categories. For example, it will list your outstanding credit card balances, your loan payment history, derogatory information, and any items that may be listed in your public records.

With the details provided, they offer suggestions as to how you can improve each category.  They even offer methods to dispute errors on your credit reports.

All in all, Credit Karma provides the user a way for you to monitor your credit, make improvements, and respond to any erroneous information.  And they provide it all for free.

A Word About Credit Karma Credit Scores

You’ve probably heard (or experienced yourself) that the credit scores you get from free credit score services aren’t the same as the ones lenders use. That’s actually true. There’s a good reason for it, and it applies to Credit Karma as well.

What Credit Karma has in common with other services is that the credit scores provided are not your actual FICO score. Instead you’re provided with an educational score based on the VantageScore model.

Now you might be wondering why you get educational scores rather than your actual FICO score. But that’s the “secret” behind “free,” as in free credit scores. The educational score is free. An actual FICO score would require you to pay a fee.

That doesn’t mean educational scores are completely worthless. They’re constructed from the same credit information used in calculating FICO scores. They even use similar methodology. But they aren’t exact, and that’s where the difference comes in.

At a minimum, educational scores like VantageScore offer parallel scores. They can let you know the relative level of your credit, and perhaps more importantly, alert you to significant changes. And that’s really the whole point in tracking credit scores. A major change in your score could indicate a mistake you made, or even fraudulent use by another party.

In addition, regular access to your credit score is absolutely necessary if you’re working to improve it. If you’ll need that access on an ongoing basis, it’s better to get it for free.

Also keep in mind that even FICO provides many different scoring models. You’re never sure which model a potential lender will look at. So there’s always a change, even with official FICO scores, that your lender will see a slightly different score than what you see.

Features and Services Provided by Credit Karma

Apart from providing credit scores and credit information, Credit Karma also offers a number of services and features to help you manage and improve your credit. They’re available on the platform as drop down tabs at the very top of the screen. They include the following:

Credit Simulator (Click “Resources”, then “Tools”). This might be the most valuable tool on the site. It enables you to run credit scenarios to see what the impact will be on your credit scores. As an example, you can check to see how much paying down one or more loans will improve your score, or how a recent late payment will bring it down. The tool gives you a real opportunity to plan your credit improvement strategy in advance, knowing how each change will affect your score.

My Recommendations. This feature offers lending suggestions based on your credit. It will display loans you’ll likely qualify for based on your credit profile. Credit Karma provides the interest rate and terms, and even the likelihood of approval. You can use the loans to consolidate or refinance your existing debt so you can pay it off more quickly.

Credit Cards. This is a drop down list that enables you to select very specific credit card offers. You can group them by the best offers for balance transfers, interest rate, rewards points, and other valuable features. It lets you compare offers to determine which will be the best for you.

Loans. This tab provides you access to information for loans other than credit cards. These include personal loans, auto loans, student loans, business loans, and home loans. It will give you an opportunity to search for the best offers in each category, similar to what you can do with the credit card search. Auto loans have a dedicated page. There you can find the best deals to either purchase a new car or refinance an existing car loan.

There’s also an “Auto” tab that isn’t what you think (auto loans). It actually answers the question What’s on your motor vehicle records? This is good information to have since it will affect how much you’ll pay for car insurance.

Credit Calculators. Credit Karma offers several calculators to help you manage your credit, improve your credit scores, or get out of debt. These include a mortgage refinance calculator, debt repayment calculator, simple loan calculator, and loan amortization calculator. The debt consolidation page explores the merits and drawbacks of different debt solutions, including bankruptcy and credit counseling, in addition to debt consolidation.

Credit Karma Tax

This is a service Credit Karma just rolled out in 2017, in time for the 2016 tax filing season. But like everything else with this service, it’s completely free to use.

I haven’t used the service myself, but it looks to be all-inclusive. It can accommodate all forms used to prepare individual income taxes. That includes:

  • Schedule A: Itemized deductions
  • Schedule C: Self-employment
  • Schedule D: Capital gains and losses
  • Schedule E: Supplemental income (rental real estate or K-1s from partnerships and S Corps)

Credit Karma Tax can also prepare your state income tax, and e-file both the federal and state–free. They can’t accommodate some of the most complicated returns, including multi-state filers, business income tax returns, or state returns for married filing separately in community property states.

Some of the features on Credit Karma Tax include:

Click and Fill. This feature lets you take a picture of your W2, and Credit Karma Tax will use it to complete your return. It will reduce input on your part, and make the process go faster.

Import prior year’s return from other services. You can import your return from TurboTax, TaxAct, or H&R Block. This is another valuable time-saving feature.

24/7 Support. The online chat is available at all times if you have a question or get hung up on something. The support is also free.

Earlybird Advance. This is a no-fee, no-interest loan that can provide you with $500 to $1,000 on a prepaid card while you’re waiting for your refund to arrive. It’s an excellent feature if you need some of your refund in a hurry.

Is Credit Karma REALLY Free?

You’ve undoubtedly heard the saying, If it sounds too good to be true, it probably is. That might be what you’re thinking about Credit Karma being free. But as a subscriber, I can tell you that it is, and there are no strings attached.

There is no fee to sign up or use the service. And unlike many “free” credit score services, they don’t even require you to put a credit card “on file.”

They don’t need to because that’s not how Credit Karma works.

No, Credit Karma isn’t a charity. They are in it to make money. But like a lot of services in the cyber age, they do it in a very different way.

Credit Karma is very open in advertising that they earn revenue from the lenders and other service providers that are on their web pages. You can use the site for free, but if you click on any advertiser’s ad and sign up for the service, Credit Karma will take a cut of the fee. That keeps the Credit Karma site free to its users.

The only real downside for Credit Karma users is that you have to be willing to accept ads on the site, including Credit Karma recommendations while you visit the site. But that’s a small annoyance for a fully-loaded free service.

One more thing worth mentioning–Credit Karma pledges that they won’t sell your information to other vendors, or place you on a mailing list that they’ll sell for additional revenue. In my experience, they keep that promise.

Credit Karma Pros

  • The service really is free. You don’t even have to add any credit card information.
  • You can access your account any time, though the information is updated only once each month.
  • It’s a reliable way to monitor your credit, either to look for unauthorized activity or as part of a long-term plan to improve your credit scores.
  • You may be interested in some of the lenders who advertise on the site. They are specific to your credit profile, which will avoid an extensive search – as well as declines for offers you don’t qualify for.
  • The tools on the site can help you improve your credit and your credit scores.
  • Credit Karma Tax offers free self-preparation, though I haven’t used the service and can’t comment one way or the other.
  • You won’t get bombed by Credit Karma email ads; at least I haven’t.

Credit Karma Cons

  • The credit scores provided aren’t actual FICO scores used by lenders.
  • The site is ad-rich, which isn’t that much of a distraction.

Should You Sign Up with Credit Karma?

Given the price–free–Credit Karma should definitely be in the running if you just want to keep an eye on your credit or work on improving your credit scores. The website is very user friendly. It presents the information in an easy, user-friendly format. You can get as much or as little help with credit issues as you choose.

Unlike a lot of free credit score services, they don’t bother you with unsolicited e-mail ads, nor do they provide your information to others to do the same.

I can’t vouch for the tax service, but I found the credit reporting and scores to be useful. They track your actual credit information, which is most of what people need. The scores may not be the exact ones used by lenders. But they’re close enough to give you a close approximation of what your FICO score will be.

You can certainly pay to get your actual FICO scores from all three credit repositories. But it’s probably not worth the price most of the time. Not when Credit Karma offers a legitimately free service that gets you close enough to the real thing.

If you’d like to get more information, or if you’d like to sign up for the service, visit the Credit Karma website.

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Credit cards now offer cash promotions for new card members. We’ve assembled the best credit card signup bonuses for 2018. One pays up to $625!

best credit card signup bonuses

Credit card signup bonuses. There’s no greater allure to owning a credit card than the free things you can get right away.

When I signed up for my first credit card, I was promised a T-shirt and duffel bag. After completing my application outside the University of Miami library, I walked away Mr. Big Shot with my new swag. Today, I know better than to sign up for a credit card because of a free T-shirt. But what if I were offered $100? What if I was offered $500? What if I was offered more?

Dishing out a big bonus is one of the best ways a credit card company can acquire your business. Offering you a few hundred dollars for decades of credit card transaction is an easy sacrifice to make. As a result, more and more issuers are bumping up their bonuses. Which bonuses to take advantage of and which ones to avoid can be tricky based on personal preference. But I’m confident the below credit card signup bonuses are all great cards. They provide consumers with excellent credit a great way to quickly add a touch of wealth to their portfolio.

The Best Credit Card Signup Bonuses of 2018

Chase Sapphire Preferred Card: What I consider to be the one of the best overall credit cards on the market today (top 2) is the Chase Sapphire Preferred Card. The initial selling point is it’s 50,000 bonus point offer, which is actually worth $625 in travel if you book through Ultimate Rewards. The 50,000 bonus points can be acquired after spending $4,000 in the first three months of card ownership. An additional 5,000 bonus points can be acquired after adding an authorized cardholder and they make a purchase inside of the first three months.

All travel and restaurant purchases receive double points and everything else receives single points per dollar spent. The Chase Sapphire Preferred Card does not charge foreign transaction fees and does not charge an annual fee for the first year. After the first year, the annual fee becomes $95. If you’re a big spender and don’t mind a big annual fee, the Chase Sapphire Reserve Card is also an option with the same intro bonus offer; but the annual fee is $450 (and it’s not waived for year #1).

  • Signup Bonus: 50,000 bonus points after spending $4,000 in the first three months + 5,000 bonus points after adding an authorized cardholder that makes a purchase within 3 months
  • Annual Fee: $95 (waived for the first year)

Learn more about this card HERE.

Learn More

The Platinum Card® from American Express: 60,000 Membership Rewards Points are yours after spending $5,000 in the first three months with your Platinum Card® from American Express. It might be strange to say, but those 60,000 points are one of the lowest reasons on the totem pole that makes this card fantastic. When you book through AMEX, airline and hotel purchases earn 5 Membership Points per dollar spent. Every year, you’ll also earn a $200 airline fee credit. This credit is applied toward things like baggage fees, meals and other airline costs.

You’ll also receive a $100 fee credit every five years for your application into Global Entry or TSA PreCheck. One additional big benefit to mention; the Platinum Card® from American Express allows you access to over 1,000 airport lounges spanning 120 countries. For everything you see above (and more), the annual fee hits hard at $550.

Remember, the Platinum Card® from American Express is not a credit card. It’s a charge card which means all of the purchases made the previous cycle must be paid off in full. No interest rate, no grace period. American Express might let you slide one month if you’re behind but if you’re not consistently making on time, full card payments, the account will be closed.

  • Welcome Bonus: 60,000 bonus Membership Points after spending $5,000 in the first three months
  • Annual Fee: $550

Marriott Rewards® Premier Credit Card: We’re continuing to climb the bonus ladder, as the Marriott Rewards Premier Credit Card offers 75,000 bonus points after you spend $3,000 in the first three months. Five points per $1 spent is earned when you use your card to pay for Starwood and Marriott hotels. Two points per $1 spent is earned when you use your card to purchase airline tickets directly from the airline, at car rental agencies and at restaurants. One point per $1 spent is earned on all other purchases.

When you sign up for the Marriott Rewards® Premier Credit Card, you’ll immediately earn 15 Elite credits which automatically gives you Silver Elite Status. Every $3,000 you spend earns you 1 additional Elite credit toward Gold or Platinum. A big added benefit of this card is that every anniversary, you’ll earn a free night stay at any category 1-5 hotel. There is no introductory annual fee, but after year one, the fee becomes $85.

  • Signup Bonus: 75,000 bonus points after spending $3,000 in the first three months
  • Annual Fee: $85 (waived for the first year)

Learn more about this card HERE.

Capital One Venture Rewards Credit CardLearn More

Capital One® Venture® Rewards Credit Card: 50,000 bonus miles are earned after spending $3,000 in the first three months with the Capital One® Venture® Rewards Credit Card. Those miles are good for $500 in travel, or $500 in cash. All purchases earn double miles per dollar spent, with no category or tier level to consider. Take the amount you spend annually on this card, double it, and that is the total miles you’ll earn. There is no limit to the amount of miles you can earn, and no expiration of those miles.

For a limited time, the Capital One® Venture® Rewards Credit Card is offering a promotion tied to Hotels.com. When you visit Hotels.com/Venture, search for and pay for a hotel stay, you’ll earn 10x miles for every dollar spent. There are no foreign transaction fees associated with this card and the $95 annual fee is waived for all first year cardholders. As this card is a Visa, you’ll be provided all of the Visa Signature benefits.

  • Signup Bonus: 50,000 bonus miles after spending $3,000 in the first three months
  • Annual Fee: $95 (waived for the first year)
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Blue Cash Preferred® Card from American Express: Admittedly, the bonus on the Blue Cash Preferred® Card from American Express doesn’t really compare to the others on this list, but a $200 statement credit after spending $1,000 in three months is strong for two reasons. First, it’s the lowest spend hurdle of any card on our list, so it’s likely open to more consumers. Second and perhaps more importantly, it’s the best bonus offer from any cashback credit card. The Blue Cash Preferred® Card from American Express is a card I use more than any other in my wallet and the $200 up front bonus was a nice touch to get me started.

This card offers a tremendous cashback opportunity in the following amounts:

  • 6% cash back on all US Supermarket purchases (on up to $6,000 in purchases each year).
  • 3% cash back at gas stations and select department stores
  • 1% cash back on all other purchases

Also included with this card is a 0% APR on purchases and balance transfers for 12 months. Not only do they offer a little cash up front, but a year’s worth of interest free purchases. The one detraction the Blue Cash Preferred® Card from American Express has is that the $95 annual fee is not waived for year number one.

  • Welcome Bonus: $200 statement credit after spending $1,000 in the first three months
  • Annual Fee: $95

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