Updated March 2023. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added Marriott 125k, Alaska 70k, Hilton 165k, Ink Cash 90k w/ No AF, Ink Unlimited 90k w/ No AF, Ink Preferred 100k/$1250. Removed Hawaiian 90k, Barc AA 80k+$95, JetBlue 80k+$99, United 150k, Marriott 125k, … [Read More...]

The Capital One VentureOne Rewards card is their no-annual-fee travel rewards card with a flat 1.25x miles per dollar on all purchases. I haven’t really discussed this card previously as I prefer the bigger rewards and bonuses from the premium Capital One Venture and ultra-premium Capital One Venture X cards, but the welcome bonus amount has just been increased significantly to 40,000 miles after $1,000 in purchases within the first 3 months. This is the best offer that I’ve seen for this card. 40,000 miles can be redeemed for $400 in travel, offsetting any travel purchase made with the card (any airline, any hotel, AirBNB stays, Uber rides, no blackout dates), which is very high for any no-annual-fee card in general along with… [Read More...]

Updated February 2023. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added Hilton 165k, Ink Cash 90k w/ No AF, Ink Preferred 100k/$1250, Hawaiian 90k, Citi AA 65k. Removed Barc AA 80k+$95, JetBlue 80k+$99, United 150k, Alaska 70k, Marriott 125k, Delta 75k This is a … [Read More...]

100k limited-time offer is back. The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (including hotels from the merger of Starwood Preferred Guest and Marriott). Here are the highlights: Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. 1 Free Night Award (valued up to 35,000 points) every year after account anniversary. 1 Elite Night Credit towards Elite Status for every $5,000 you spend. Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Boundless(R) Card. 2X points for… [Read More...]

(Update: Limited-time boost to welcome offers announced. Also, the entire line-up of cards now offer a new perk of 15% off award travel when redeeming miles for Delta flights on delta.com. Details below.) Delta Airlines American Express cards offer various special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. As you can only get the welcome offers once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit. Here are the current offers: Delta SkyMiles® Gold American Express Card Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. $100 Delta … [Read More...]

Update December 2022: You may not even remember that you filed a cash claim in the 2017 Equifax Data Breach Settlement, but the payments are finally being sent out. I nearly deleted the email as it ended up in my Junk Folder. The settlement administrator has begun sending out payments for out-of-pocket losses, time spent claims, and other cash benefits. You will get your payment in the method you chose—by check, prepaid card, or PayPal payment. Legitimate emails about the settlement will come from Equifax Breach Settlement Administrator (info@equifaxbreachsettlement.com). Despite the information from that link quoted above, mine was from “Equifax Breach Settlement” and the email “EquifaxDataBreachSettlement@hawkmarketplace.com”. I also could not open the redemption link in my Chrome browser. It’s almost like … [Read More...]

Updated December 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added Ink Cash 90k w/ No AF, Hilton 130k+FreeNight, Ink Unlimited 90k, Barc AA 80k+$95, Hawaiian 90k, JetBlue 80k+$99, Citi AA 65k. Removed United 150k, Alaska 70k, Marriott 125k, Delta 75k This is a companion … [Read More...]

Updated and checked December 2022. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (over $5,000 in 2021). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes: Added Barc AA 60k, Citi Premier 80k, Alaska 62k, Venture 75k Removed JetBlue 80k, Southwest 75k, Sapphire Reserve 80k, United 70k, Delta 70k. This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher … [Read More...]

Black Friday double points for 7 days: From Friday 11/24 12:00am ET through 12/1 11:59pm PT, earn double points rewards: 6X on dining, 4X on travel, and 2X on other purchases (rent is excluded). I’d rather earn 2X Hyatt points per dollar spent than 2% cash back. Max 50,000 bonus points. 2X Transfer Bonus: On 12/1/2022, you can transfer 1 Bilt point into 2 IHG points (1:2 instead of 1:1). Full review: The updated Bilt Mastercard is a unique credit card that earns rewards on rent payments to any landlord. Bilt is a rent payment platform and they will send your landlord a check or ACH bank transfer so that your landlord will not have to do anything. In addition, the credit card has bonus categories and a variety of points redemption options… [Read More...]

Updated November 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added Ink Cash 90k, Ink Unlimited 90k, Hilton 130k+FreeNight, Barc AA 80k+$95, Hawaiian 90k, JetBlue 80k+$99, Citi AA 65k. Removed United 150k, Alaska 70k, Marriott 125k, Delta 75k This is a companion post to my … [Read More...]

Updated and checked November 2022. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (over $5,000 in 2021). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes: Added Southwest 75k, Sapphire Reserve 80k, Marriott 3FreeNights, Alaska 62k, Venture 75k, JetBlue 80k, IHG 140k+FreeNight, Premier 80k. Removed United 70k, Delta 70k, Southwest 75k, Citi AA 75k. This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses … [Read More...]

The $200 limited-time offer on this flat 2% cash back card will end in mid-November. The Citi® Double Cash Card is a popular rewards credit card as it offers 2% flat cash back on all purchases, not just specific categories. As of March 2022, $1 in cash back rewards is also 100 Citi ThankYou points for potentially even better reward redemptions (details below). For example, if you value a Citi ThankYou point at 1.5 cents per point (by using the Citi Premier card and redeeming them as airline miles for free flights), then that is effectively get 3% value back! I’ve had this card for years. Right now, there is a $200 limited-time offer for new cardholders, which is the highest that I’ve seen. For … [Read More...]

Limited-time bonus, highest ever. The Ink Business Unlimited Card is a small business credit card offering an increased $900 cash bonus for new cardholders and the simplicity of a flat, unlimited 1.5% cash back on all purchases. Here are the details: BEST OFFER EVER: $900 bonus cash back (90,000 Ultimate Rewards points) after you spend $6,000 on purchases in the first 3 months from account opening Unlimited, flat 1.5% cash back on all purchases with no limit. 0% introductory APR for 12 months on purchases. Free additional cards for employees. No annual fee. Ultimate Rewards points. The cash sign-up bonus actually comes in the form of Ultimate Rewards points at 1 point = 1 cent in cash. 50,000 points = $500 cash. If you have one of the other annual… [Read More...]

A quick reminder that you can discover targeted offers for your Chase credit card at Chase.com/mybonus. This includes both their in-house cards like Sapphire or Freedom Flex and their co-branded cards like United, IHG, Hyatt, Southwest, Amazon, etc. For some reason, I always find surprise offers that I have never heard about otherwise. For example, I just found this offer on my Chase IHG hotels credit card for 10X points on gas purchases and 5X on Amazon/grocery stores (up to a limit) through the end of the year: From Oct. 1 through Dec. 31, you’ll earn 10X total points at gas stations and 5X total points on Amazon.com and at grocery stores for every dollar you spend on up to $1,500 in… [Read More...]

Activation reminder for 2022 4th Quarter. The credit cards below offer 5% cash back and up on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without changing your spending habits. You can also buy gift cards at places with 5% back now but spend the gift cards later. (* Reminder that you can buy gift cards from lots of places at grocery stores…) New cardmembers may also get an upfront sign-up bonus. Chase Freedom Flex Card From October 1st through December 31st, 2022, you can earn 5% cash back (or 5X Ultimate Rewards points) on up to $1,500 spent in the following categories: Walmart (includes Walmart Discount Stores, Walmart … [Read More...]

Updated September 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added Citi AA 65k, United 150k, Alaska 70k, AA 70k, Hilton 130k, Spark Cash Plus $1,000. Removed Marriott 125k, AA 80k+$99, Delta 75k, JetBlue 80k+$99. This is a companion post to my Top 10 Best Credit … [Read More...]

New Disney streaming bundle credit worth $7 a month ($84 annually). The Blue Cash Preferred® Card from American Express has been in heavy rotation recently: 6% cash back at US stand-alone supermarkets on up to $6,000 per year in purchases. The welcome offer is also currently very generous. If you spend $100 a week at supermarkets, that alone will earn you over $300 a year in rewards. The highlights: $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. NEW: Disney Bundle credit worth up to $84 annually. The Disney Bundle includes Disney+, Hulu, and ESPN+. Get $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription… [Read More...]

New $200 limited-time offer.The Citi® Double Cash Card is a popular rewards credit card as it offers 2% flat cash back on all purchases, not just specific categories. As of March 2022, $1 in cash back rewards is also 100 Citi ThankYou points for potentially even better reward redemptions (details below). For example, if you value a Citi ThankYou point at 1.5 cents per point (by using the Citi Premier card and redeeming them as airline miles for free flights), then that is effectively get 3% value back! I’ve had this card for years. Right now, there is a $200 limited-time offer for new cardholders, which is the highest that I’ve seen. For a limited time, earn $200 cash back after spending $1,500 on purchases … [Read More...]

Capital One credit cardholders can get 6 months of free access to 100+ museums worldwide via The Cultivist (valid for cardholder & up to three guests). Visit thecultivist.com/capitalone and input the 16 digits of your eligible Capital One credit card in the checkout process to receive 6 months of complimentary Enthusiast level membership (usually $40 a month, so technically a $240 value). The Membership Offer is only available to Capital One cardholders, age 18 or older, with an eligible U.S.-issued, Capital One branded, consumer or small business credit card (“Eligible Capital One Cardholders”). Limit one Membership Offer per Eligible Capital One Cardholder. Offer provides one hundred eighty (180) days of complimentary membership for the enrolled Eligible Capital One Cardholder in ‘The Enthusiast’ level of membership with… [Read More...]