Update: Expired, although even the default transfer is still a decent way to get over one cent per point value out of your Citi ThankYou points.

Original, expired post:

If you have a stash of Citi ThankYou points, right now at ThankYou.com you can transfer the to the Accor Live Limitless (ALL) hotels rewards program at a 1:1 ratio. This is double the usual transfer ratio and looks to be a limited-time offer, as it is a potentially very valuable way to redeem ThankYou points.

The Accor Live Limitless (ALL) rewards program offers a straightforward redemption system: 2,000 ALL Reward points = €40 off your hotel bill, which is worth ~$45 USD, depending on the current exchange rate. This means each ALL point is worth ~2.25 cents when redeemed for stays at Accor hotels (such as Sofitel, Novotel, Fairmont, and Mercure). There are no blackout dates, and redemptions can be applied directly at checkout, making ALL points very flexible.

Improved offer. The Aeroplan® Card is the Air Canada co-branded credit card for US customers, issued by Chase. If you fly Air Canada regularly, this card makes the experience better in many different ways. If you don’t fly Air Canada regularly, you can still use the new Pay Yourself Back feature where Aeroplan points can be redeemed at 1.25 cents per point towards any eligible travel purchase on ANY airline, for up to 200,000 points per year (for up to $2,500 back). Here are the highlights on the sign-up bonus and Air Canada perks:

• 85,000 bonus points after you spend $4,000 on purchases in the first 3 months.
• 85,000 points can be redeemed to offset over $1,000 in travel. Redeem points at a rate of 1.25 per point as a statement credit to cover travel purchases including flights, hotels, car rentals, ride-shares and more. Through 12/31/2025, you can redeem up to 200,000 points for up to $2,500 back.
• Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.
• Automatically receive Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year, allowing primary cardmembers to enjoy benefits such as priority check-in, early boarding, upgrades and more on Air Canada flights.
• Each calendar year in which you spend at least $15,000 in purchases you earn Aeroplan 25K Status through the following calendar year.
• Up to $120 credit toward Global Entry, TSA Precheck or NEXUS every four years (as reimbursement for the application fee charged to your card)
• No foreign transaction fees.
• $95 annual fee.

Here is the rewards structure on credit card spending:

• 3X points on dining, takeout, and eligible delivery services
• 3X points at grocery stores
• 3X points on direct purchases at Air Canada
• 1 point for each dollar spent on all other purchases
• 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month)

Redeeming Aeroplan points for flights. It is very easy to redeem Aeroplan points on Air Canada, Air Canada Express, or Air Canada Rouge flights because “every Air Canada seat available to buy for cash is also available for points, no restrictions.” You simply run a search like normal on the Air Canada website, and it will tell you upfront the cost in Aeroplan points. It’s quite easy to compare the cash cost side-by-side. In addition, when you have this credit card, you get even better preferred pricing on flights when redeeming points.

Here is an example flight from San Francisco to Vancouver during our March Spring Break period:

At 8,300 miles + CAD$8 for a one-way flight, that means I could get 4 of these SFO-YVR roundtrip flights for 70,000 with some 3,000+ points left over. This means an entire family of four could get their flights covered. The cash cost for the one way was CAD$207 or US$161 at this writing, for a total redemption value of CAD$1,656 or US$1,288.

For a more general idea, here is a link to the Aeroplan rewards chart (PDF). The points required are based on distance.

You can also get excellent value by redeeming your points on a partner airline.

Finally, with this credit card, you get preferred pricing on award flights (less points required):

You, as the primary cardmember will often require fewer Aeroplan points to redeem for flight rewards through the Aeroplan program than Aeroplan Members who do not hold an Aeroplan co-branded Credit Card.

Redeem towards any travel at 1.25 cents per points. Via their Pay Yourself Back(R) feature, Chase allows an alternative option to redeem Aeroplan points at a rate of 1.25 cents per point to cover travel purchases including airline flights, hotels, cruises, car rentals, rideshares, parking lots, and more. This provides a nice minimum floor on the value of an Aeroplan point. More Aeroplan Pay Yourself Back details here. Here are the updated eligible categories for 2025, which include eligible restaurants and grocery stores:

Pay Yourself Back®
Aeroplan® points may be redeemed for a statement credit using Pay Yourself Back for purchases made at select merchants within the 90 days before the redemption request date.? Redemptions using Pay Yourself Back against the following purchases made with your credit card will qualify: travel purchases and the prior payment of your annual fee. Currently, purchases made in the following promotional categories will also qualify: dining at restaurants (including takeout and eligible delivery services), grocery stores (including eligible delivery services, excluding Target, Walmart and wholesale clubs). Each point you redeem through Pay Yourself Back for a statement credit towards qualifying travel purchases (up to 200,000 points or $2,500 annually) and the prior payment of your annual fee is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value. Each point you redeem through Pay Yourself Back for a statement credit towards qualifying purchases in promotional categories is worth $.008, which means that 100 points equals $.80 in redemption value. Valid through December 31, 2025.

Here’s all of what counts as “Travel”:

Merchants in this category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.

Personal experience. I have had this card, and here is why I renewed and paid the annual fee for another year. There are a lot of little things with this card that makes travel better.

• You get 25K elite status on Air Canada with this card (25K automatically for the remainder of the first calendar year, plus the following calendar year, later years with eligible spending), and that lets you check in using the speedy priority line with helpful humans! The same line as business class ticket holders. This 1 on 1 person can help you make flight changes, fix seats, check bags and just make flying smoother rather than trying to flag down the kiosk person trying to help 30 people at once.
• 25K status lets you pick better seats for free and gives you a 50% discount on the preferred seats with extra legroom on (non-basic) Flex economy fares.
• 25K status gets you Zone 2 boarding even on basic economy tickets, which is very early. You know how the line is usually split between “1st class/fancy folks” and “everyone else”? You get to board in the fancy folks line.
• Free checked bags for you and all travel companions with the card. For me, that means my family can check 5 bags for free. 25K status also gives the person with status 2 free checked bags.

Basically, this card helps me feel closer to a business class passenger when I just buy economy tickets and pay for the extra legroom seats. I get the nice check-in line, no hassles with checked bags, TSA PreCheck for security, and true priority boarding so no stress about carry-on space.

Bottom line. The Aeroplan® Card offers a generous sign-up bonus (redeemable for multiple Air Canada flights or use the Pay Yourself Back feature to offset travel purchased from ANY airline or hotel) and Air Canada flight perks (including free first checked bag and elite status).

I will be adding this offer to the Top 10 Best Credit Card Bonus Offers.

The information for the Aeroplan® Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

The Virgin Red Rewards credit card is the co-branded card for Virgin Red, the loyalty program for Virgin Atlantic flights, Virgin Hotels and Virgin Voyages. In addition, Virgin points can be used for other things like Delta Airlines flights, Legoland tickers, all the way down to a bag of AMC movie popcorn. Right now, there is an improved offer, so let’s take a closer look.

• 60,000 Virgin Points on new accounts when you spend $4,000 in your first 90 days.
• 3X Virgin Points per $1 spent on Virgin Atlantic, Virgin Hotels and Virgin Voyages.
• 2X Virgin Points per $1 spent at grocery stores, on dining out, select streaming services and EV charging.
• 1 Virgin Point per $1 spent on everything else.
• Spend $15,000 in a year to choose one Personal Perk, or $30,000 to choose two. Options include Flying Club reward voucher for a companion seat or cabin upgrade (Virgin Atlantic), a free night stay or priority upgrade (Virgin Hotel), or a $150/$300 Bar Tab credit or Blue Extras perk package (Virgin Voyages).
• Book two nights at a Virgin Hotel, get your third night free with this card.
• Add an authorized user and earn 2,500 Virgin Points. Maximum of 10,000 Virgin Points.
• Earn Tier Points with Virgin Atlantic Flying Club. Earn 25 Tier Points for $2,500 of qualifying spend, up to 50 Tier Points a month.
• Anniversary bonus: 5,000 Virgin Points every year you renew.
• $99 annual fee.

This card is currently a Mastercard issued by Synchrony Bank. While Synchrony is not my favorite issuer, that can actually be a good thing once if you’ve already gotten many of the other popular rewards cards and they start to turn you away…

What can you redeem Virgin Points for? First, a quick reminder that there are both Virgin Red points and Virgin Flying Club points. Although they are separate programs, you can link your accounts together and use your points across both programs.

You can redeem Virgin points for free flights on Virgin Atlantic Airlines, including Economy, Premium Economy, and Upper (First) Class. There is no fixed award chart, but you can use this Reward Seat Checker tool to see what is available. Here are the best case scenarios for a Saver reward, which are very limited. You’ll also have to watch out for carrier-imposed surcharges, which are not included.

The US partner airlines include Delta Airlines. There are also a variety of international partner airlines including both SkyTeam (Air France/KLM) and non-SkyTeam (like ANA), which I won’t go into detail here. (As of June 30, 2025, Virgin Red members can no longer redeem Virgin Points for Hawaiian Airlines flights.)

For Delta Airlines, here are the one-way costs for domestic flights within the US, excluding taxes, fees and carrier-imposed surcharges. The cost is based on distance, so it can be a relatively better deal for shorter Delta flights within the US.

Lots of incoming transfer partners. Even if you rarely/never fly Virgin, a positive feature is that there are many ways to get Virgin points if you need some extra to meet a redemption. These are all the programs that transfer into Virgin Red points at a 1:1 ratio:

• American Express Membership Rewards
• Chase Ultimate Rewards
• Bilt Rewards
• Capital One Miles
• Citi ThankYou Rewards
• Wells Fargo

You can also transfer from Marriott Bonvoy at a different 3:1 ratio (plus possible 5,000 bonus miles for every 60,000 points transferred).

Like most co-branded credit cards, the value depends a lot on how often you already use Virgin products. As someone who has never used any Virgin product, my plan for this card would be instead to use the bonus points within the first year on economy Delta flights for my entire family. I’d transfer enough points over from another program to top off the account and use them all at once. I’ll have to see if Delta flies to where we want to go and calculate the cost based on distance.

Bottom line. The Virgin Red Rewards credit card is the co-branded card for Virgin Atlantic flights, Virgin Hotels and Virgin Voyages. Right now, there is an improved offer of 60,000 bonus Virgin points, which are can be redeemed towards airfare on Virgin Atlantic or Delta Airlines, along with some other partner airlines.

I do believe it is reasonably easy to get $600+ of flight value out of 60,000 Virgin points, so I will be adding this card to my list of Top 10 Best Credit Card Bonus Offers.

The information for the Virgin Red Rewards credit card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

Limited-time offer. The Citi AAdvantage Platinum Select World Elite Mastercard is the co-branded American Airlines card from Citi. Here are the updated card highlights:

• 80,000 American Airlines miles after $3,500 in purchases within the first 4 months of account opening.
• First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation – savings of up to $400 per round trip.
• 2X AAdvantage® miles for every $1 spent at gas stations
• 2X AAdvantage® miles for every $1 spent at restaurants
• 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
• 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.
• $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
• No Foreign Transaction Fees*
• Preferred boarding on American Airlines flights
• 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights
• $0 intro annual fee for the first year, then $99.

Bonus details. Note the following language for the personal card, which has been changed from 24 to 48 months. Having the business version is okay.

AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Platinum Select® account in the past 48 months.

To clarify, you can have one of both the consumer version of this card and the CitiBusiness® version designed for businesses under your name. The bonuses are also separate.

Baggage fee value. American Airlines recently announced they are going to charge a whopping $40 one-way for the first checked bag if you don’t prepay online ($35 if you prepay online). That’s $80 roundtrip for a single checked bag, per person. With this card, your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. $80 roundtrip x 5 people = $400 potential benefit.

Bottom line.  The Citi® / AAdvantage® Platinum® Select® World® Elite® Mastercard® has® a® nice® bonus® offer®. As with most of these co-branded cards, a lot of the ongoing value comes when you fly on American and utilize the free first checked bag benefit for you and up to 4 companions (value of up to $80 per person, round-trip).

Also see: Top 10 Best Credit Card Bonus Offers.

Updated September 2025. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, DoorDash, 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 Amex Platinum 200k, Delta 90k, Marriott 125k, CSR 200k, Venture X 350k, Citi AA 75k, Spark $2,000, Amex Gold 100k.
• Removed Hilton 175k, Alaska 70k, Marriott 125k, Hyatt 60k+FreeNightAward, JetBlue 60k, Ink Unlimited $900.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

The Business Platinum® Card from American Express

• 200,000 Membership Rewards® points after $20,000 in eligible purchases in the first 3 months. See link for details.
• American Express Global Lounge Collection® provides complimentary access to more than 1,400 airport lounges across 140 countries and counting, including their exclusive Centurion® Lounge.
• Unlock over $2,500 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds.
• $895 annual fee.
• See Rates and Fees

Chase Sapphire Reserve® for Business Card

• 200,000 Ultimate Rewards points after $30,000 in purchases in the first 6 months. See link for details.
• $300 Annual Travel Credit, plus a long list of other credits – Curated Gift Card, Google Workspace, ZipRecruiter Credit, DoorDash, Lyft.
• Up to $120 Global Entry or $85 TSA PreCheck fee credit.
• $795 annual fee.

Delta SkyMiles® Gold Business American Express Card

• Limited-time offer: 90,000 Bonus Miles after $6,000 in eligible purchases in first 6 months of Card Membership. Offer Ends 10/29/2025. See link for details.
• 90,000 Skymiles are worth at least $900 in Delta airfare with “Pay with Miles” option.
• First checked bag free on Delta flights ($70 value per roundtrip, per person).
• $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
• $0 introductory Annual Fee for the first year, then $150.
• See Rates and Fees

Capital One Spark Cash Plus Card

• $2,000 cash bonus after $30,000 in purchases in the first 3 months. Additional $2,000 cash bonus for every $500K spent during the first year. See link for details.
• Unlimited 2% cash back spent on all purchases with no limit.
• $150 annual fee; Spend $150,000 annually and Capital One will refund this fee every year.

American Express® Business Gold Card

• 100,000 Membership Rewards points after $15,000 in eligible purchases in the first 3 months. See link for details.
• Up to $240 Annual Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment is required.
• Up to $155 Annual Walmart+ Credit. Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Enrollment is required.
• Annual fee is $375.
• See Rates and Fees

Capital One Venture X Business Card

• 150,000 Bonus Miles once you spend $30,000 in the first 3 months. 150,000 Miles can be redeemed for $1,500 towards travel (including airfare and hotel stays). See link for details.
• $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One’s travel booking site.
• Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
• Lounge access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass(TM) lounges, after enrollment.
• Up to a $120 credit for Global Entry or TSA PreCheck(R).
• $395 annual fee.

CitiBusiness / AAdvantage Platinum Select Mastercard

• 65,000 American Airlines miles after $4,000 in purchases in first the 4 months. See link for details.
• First checked bag free on domestic AA flights for you and up to 4 companions (Up to $80 value per roundtrip, per person).
• $0 annual fee for the first year, then $99.

Ink Business Preferred® Credit Card

• 90,000 Ultimate Rewards points (worth $900 straight cash back or $1,125 toward travel when redeemed through Chase Travel) after $8,000 in purchases in the first 3 months. See link for details.
• 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
• Primary rental car coverage when renting for business purposes.
• $95 annual fee.
• Subject to 5/24 rule.*

The Hilton Honors American Express Business Card

• 150,000 Hilton Honors Bonus Points after $8,000 in purchases in your first 6 months. Plus an additional 25,000 Hilton Honors Bonus points after an additional $2,000 in purchases within your first 6 months of Card Membership. Offer Ends 8/13/2025.
• Up to $240 in Annual Hilton Credits. Get up to $240 back each year on eligible Hilton purchases made on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
• $195 annual fee.
• See Rates and Fees

Marriott Bonvoy Business® American Express® Card

• 125,000 Marriott Bonvoy points after $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Limited-time offer ends 10/22/2025. See link for details.
• Additional Free Night Award upon card anniversary (worth up to 35,000 Bonvoy points). Earn another additional Free Night Award after spending $60K in purchases on your Card in a calendar year.Free Night Awards are valid at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
• Annual fee is $125.
• See Rates and Fees

Hawaiian Airlines Business MasterCard

• 50,000 Hawaiian miles after $4,000 in purchases in first 90 days. See link for details.
• Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
• $99 annual fee.

BofA Business Advantage Unlimited Cash Rewards card

• $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
• 1.5% cash back on all purchases, which can be increased to 2.62% cash back when combined with the Preferred Rewards program.
• No annual fee.

US Bank Business Leverage Card

• 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 120 days. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
• Availability may be restricted to certain states.
• $0 annual fee for the first year, then $95.

JetBlue Business Card

• 50,000 TrueBlue points after $2,000 in purchases in first 90 days and paying the annual fee. See link for details.
• First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
• $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

• 60,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. See link for details.
• Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
• Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $70 roundtrip per person).
• $70 annual fee for company, plus $25 per card.

Capital One Spark Cash Select Card

• $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
• Unlimited 1.5% cash back spent on all purchases with no limit.
• No annual fee.

* Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

American Express(R) Business Gold Card: See Rates and Fees. The Business Platinum(R) Card from American Express: See Rates and Fees. The Hilton Honors American Express Business Card: See Rates and Fees. Marriott Bonvoy Business(TM) Card from American Express(R): See Rates and Fees. Delta SkyMiles(R) Gold Business American Express Card: See Rates and Fees

Chase managed to make a media event out of its revamp of the Chase Sapphire Reserve and new Chase Sapphire Reserve Business cards. The personal and business credit cards both have a huge $795 annual fee, huge new cardholder bonus, and long list of perks. Very much like the American Express Platinum, these “coupon book” perks revolve around an upscale “lifestyle” that includes staying at luxury hotels, flying Premium Economy and Business Class, eating at nice restaurants, and so on.

I’m not sure I fit this mold, and it’s definitely going to take a bit of reading to figure out all the angles. At a very high level, the $300 annual travel credits are relatively easy to redeem and after that the net annual fee becomes ~$500. Can I get $500 in value from the rest of the card? 🤷 You may find it fits you better; the application links are now available. Here are the highlights:

New Chase Sapphire Reserve Credit Card (Personal)

• 100,000 Ultimate Rewards points + $500 Chase Travel promo credit (must be used all at once, and bought through Chase Travel portal) after $5,000 in purchases in the first 3 months.
• New application restrictions that are more vague, instead of “5/24”. However, if you don’t qualify for the bonus, they will tell you ahead of time and you won’t get a hard credit pull.
• $300 Annual Travel Credit, which is pretty flexible.
• 8X points on Chase Travel portal purchases.
• 4X Points on flights and hotels purchased directly.
• 3X points on dining worldwide.
• $500 Annual The Edit Hotels Credit. The Edit is a “collection of over 1,100 hand-picked hotels and resorts around the world”. The ones I’ve seen are all expensive, luxury hotels.
• $300 Annual Dining Credit. Up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for dining at restaurants that are part of the “Sapphire Reserve Exclusive Tables.” Again, expensive restaurants.
• Points Boost – Redeem points at up to 2x value on select flights and hotels. You’ll have to book via Chase Travel portal, and the best boost are for Premium Economy class and above.
• $1,000+ in additional credits – Apple TV+, Apple Music, Lyft, DoorDash, StubHub, Peloton
• Lounge Access – Priority Pass Select membership, Chase Sapphire Lounges, and some Air Canada Lounges.
• $120 Global Entry or TSA PreCheck® or NEXUS Fee Credit.
• $795 annual fee. $195 for each authorized user.

New Chase Sapphire Reserve for Business Credit Card

• 200,000 Ultimate Rewards points after $30,000(!) in purchases in the first 6 months.
• New application restrictions that are more vague, instead of “5/24”. However, if you don’t qualify for the bonus, they will tell you ahead of time and you won’t get a hard credit pull.
• $300 Annual Travel Credit
• 8X points on Chase Travel portal purchases.
• 4X Points on flights and hotels purchased directly.
• 3X points on social media & search engine advertising.
• $500 Annual The Edit Hotels Credit. The Edit is a “collection of over 1,100 hand-picked hotels and resorts around the world”. The ones I’ve seen are all expensive, luxury hotels.
• $1,000+ in additional credits – Curated Gift Card, Google Workspace, ZipRecruiter Credit, DoorDash, Lyft.
• $120 Global Entry or TSA PreCheck® or NEXUS Fee Credit.
• Lounge Access – Priority Pass Select membership, Chase Sapphire Lounges, and some Air Canada Lounges. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• $795 annual fee.

I will be including these both in my lists of Top 10 Best Credit Card Bonus Offers and Top 10 Best Business Card Offers.

Limited-time is back, expires 7/30. The Amtrak Guest Rewards Preferred Mastercard, issued by First National Bank of Omaha (FNBO), offers a variety of perks for Amtrak riders. It also currently has a 40,000 points limited-time offer that is worth up to roughly $1,000 value in Amtrak train fare or $400 in Amazon gift cards. This boosted offer came around the same time last year. Here are the highlights:

• 40,000 bonus points after spending $2,000 in the first 3 billing cycles of account opening.
• Roundtrip companion coupon upon account opening and card anniversary.
• One-class upgrade upon account opening and card anniversary.
• Station Lounge pass upon account opening and card anniversary.
• 3X points per $1 spent on Amtrak travel, including onboard purchases.
• 2X points per $1 spent on dining, travel, transit and rideshare.
• 1X point per $1 spent on all other purchases.
• 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
• 20% rebate on food and beverage purchases on board, via statement credit on this card.
• 1,000 Tier Qualifying Points (TQPs) every time you make at least $5,000 in purchases in a calendar year, up to 4,000 TQPs
• Amtrak points will not expire as long as your card account is open.
• No foreign transaction fees.
• $99 annual fee.

This offer is not going to be attractive for everyone, but it can be very valuable if you either enjoy recreational train travel or if you can use it for your commuting needs.

Amtrak points are currently worth roughly 2.5 cents per points towards Amtrak train fare. That means 40,000 points is worth approximately $1,000 in Amtrak train fare. Amtrak redemptions are variable and directly-linked to the cash cost, so you can use points on basically any ticket. There is also the potential value of the companion coupon, lounge pass, and one-class upgrade.

The best value is for train fare, but Amtrak points do transfer to certain other hotel programs, although some require elite status in those programs.

Gift cards. You can also redeem for various gift cards at a rate of 5,000 points = $50 gift card. So 40,000 points would get you $400 in gift cards to Amazon, Apple, Best Buy, Target, Walmart, etc.

You could take the train across the entire country! There is an 18-hour Capitol Limited overnight train from Washington D.C. to Chicago in a “Superliner Bedroom” with a private bathroom.

You could then take the 3-day, 2-night trip on the California Zephyr from Chicago to San Francisco. Enjoy the views as you cut through both the Rockies and Sierra Nevada mountain ranges.

Bottom line. The Amtrak Guest Rewards Preferred Mastercard currently has a limited-time offer that can get you roughly $1,000 value in Amtrak train fare, with an $99 annual fee. The potential value is high, but I don’t know if it is too niche to include in my list of Top 10 Best Credit Card Bonus Offers. For you folks that prefer cash or near-cash, you could also get $400 in Amazon or Walmart gift cards with 40,000 points, minus the $99 annual fee.

The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (including the 7,000 hotels participating in Marriott Bonvoy® resulting from the merger of Starwood Preferred Guest and Marriott). Here are the highlights:

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases within the first 3 months from account opening. That’s a total potential value of 250,000 points. Certain hotels have resort fees.
• 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 every $1 spent on all other purchases.
• Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
• 15 Elite Night Credits each calendar year.
• No Foreign Transaction Fees.
• $95 annual fee.

Keep in mind the following:

This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.

The Marriott Bonvoy program no longer has a fixed hotel category chart for booking points. You can still use these points at either Marriott properties (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood Properties (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

For reference, 50,000 Bonvoy points used to get you a peak award at Courtyard Waikiki Beach in Hawaii, a standard or off-peak award at the Sheraton Kauai Resort or Residence Inn Maui Wailea, or an off-peak award night at the Westin Moana Surfrider in Waikiki, Honolulu or the Westin Princeville Ocean Resort Villas.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. That means 50,000 Bonvoy points = estimated $350 redeemable value, and 100,000 Bonvoy points = estimated $700 redeemable hotel night value. However, I almost always get closer to 1 cent per point value when I actually choose to redeem. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points.

You can use the Marriott free night search tool to price out some sample hotels for yourself. Also, here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. 60,000 Marriott points = 25,000 airline miles. Similar to the old Starwood bonus structure, they will add 15,000 points for every 60,000 points you transfer to airline miles. More information here.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Free Night Award with Card Renewal. At your card anniversary (when you pay the annual fee), you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 value. Here are some sample hotels that I have tried to book in the past that came in at or under 35,000 points for selected dates:

• Sheraton Kona Resort (Big Island, Hawaii)
• Westin Hapuna Beach Resort (Big Island, Hawaii)
• Courtyard Waikiki Beach (Honolulu, Oahu)
• Sheraton Kauai Resort (Kauai, Hawaii)
• W Atlanta
• New York Marriott at the Brooklyn Bridge
• Chicago Marriott Downtown Magnificent Mile
• W Chicago
• The Ritz-Carlton, Beijing, China
• The S. Regis Bangkok, Thailand

Find a hotel that costs 40,000 points a night or 50,000 points? For example, I recently booked the Westin Maui at 60k points a night. You can just pay the difference in points, as long as the difference is within 15,000 points. Here are details on the Free Night Award Top Off option.

You can add up to 15,000 Marriott Bonvoy® points to any Free Night Award that you have earned. So if it’s a 50k Free Night Award, you can add up to 15k to redeem at hotel that has Standard Room at a cost of 65,000 points per night.

No annual fee alternative. The Marriott Bonvoy Bold card is also offers bonus points and some (lesser) perks, but with no annual fee.

Bottom line. The Marriott Bonvoy Boundless credit card (formerly the Marriott Rewards Premier Plus Credit Card) is currently offering a special offer for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free night award every year should easily cover the annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

The information for theMarriott Bonvoy Boundless Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

The IHG One Rewards Premier Credit Card is the premium IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card, Elite status, and every 4th award night free. Here are the highlights:

• 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
• Free Award Night after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption cap of 40,000 points. NEW: You can now also pay the difference over 40,000 points to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
• 4th Award Night Free. Enjoy a free reward night when you redeem points for a consecutive four-night IHG(R) hotel stay. That means if you use points to pay for 3 nights in a row, the 4th night is free. You can even book 8 award nights total and get two of them free, and so on. Works on any award level.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
• Automatic Platinum Elite status included as a Premier card member. IHG points also don’t expire when you are an Elite member.
• Global Entry, TSA PreCheck® or NEXUS statement credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.
• No foreign transaction fees.
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.
• $99 annual fee.

Please note the following:

This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, but overall a conservation valuation is 0.50 cents of value per point, which would make 140,000 IHG points worth an estimated $700 value. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

(IHG points are worth less than other points like Hyatt or Chase Ultimate Rewards points, but you get a lot more of them with this bonus!)

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

• Intercontinental Hotels & Resorts
• Crowne Plaza
• Kimpton
• Holiday Inn, Holiday Inn Express
• Staybridge Suites
• Candlewood Suites
• Hotel Indigo
• EVEN Hotels

Fourth Reward Night Free

The 4th Reward night free perk can be very valuable and nice to see on a card with no annual fee. You get the fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay (only pay for 3 nights with points). It showed up automatically for me when booking with points online.

For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually.

IHG points expire after 24 months of inactivity, so if you keep up your activity then you can save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

Total of 26X points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 10X points from IHG® for being an IHG One Rewards Member + 10X points with this card + 6X points from IHG® with Platinum Elite Status with Platinum Elite Status (a benefit of this card) = total of 26X points total at 5,400+ IHG® hotels & resorts.

The rewards on other purchases has improved to the following:

• 5X IHG points per $1 spent at gas stations, dining, and travel (including hotels).
• 3X IHG point per $1 spent on all other card purchases

I would keep this card if you can use the anniversary night certificate with the 40,000 point maximum value. You should be able to get $99 value out of it as long as you need a hotel night. Stay must be completed within 12 months from date of issue.

Don’t want a card with an annual fee? The no-annual fee Traveler version has a very competitive bonus right now.

Bottom line. The IHG One Rewards Premier Credit Card includes a sign-up bonus and special IHG perks like a free night award every year you keep the card, Elite status, and every 4th award night free. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

I will be adding this to the Top 10 Best Credit Card Bonus Offers.

The information for the IHG One Rewards Premier Credit Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.