Top 10 Best Credit Card Bonus Offers – September 2025 (Updated)

Updated September 2025. 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 2023). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added Delta 80k, CSR 125k, Atmos 85k, Hawaiian 80k, BarcAA noAF, JetBlue 80k, Aeroplan 85k, Amex Gold 100k.
  • Removed Bonvoy 185k, Hilton 100k+$100, IHG 5FreeNights, Marriott 5FreeNightsk.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Chase Sapphire Reserve® Card

  • 125,000 Ultimate Rewards points after $6,000 in purchases in the first 3 months. See link for details.
  • $300 Annual Travel Credit, plus a long list of other credits – They advertise “Over $2,700 in annual value”, which I dunno, but it does include Apple TV+, Apple Music, Lyft, DoorDash, StubHub, Peloton.
  • Up to $120 Global Entry or $85 TSA PreCheck fee credit.
  • $795 annual fee.

Delta SkyMiles® Gold American Express Card

  • Limited-time offer: 80,000 Bonus Miles after $3,000 in eligible purchases in first 6 months of Card Membership. Offer Ends 10/29/2025. See link for details.
  • 80,000 Skymiles are worth at least $800 in Delta airfare with “Pay with Miles” option.
  • $200 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights ($70 value per roundtrip, per person).
  • $0 annual fee for the first year, then $150.
  • See Rates and Fees

American Express Platinum Card®

  • As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards(R) Points after $8,000 in eligible purchases in your first 6 months. Welcome offers vary and you may not be eligible for an offer.
  • Up to $600 Hotel Credits, up to $300 Digital Entertainment Credits, $200 Airline Fee Credits, up to $300 Lululemon credits, up to $400 Resy credits, up to $200 in Uber Cash via $15 monthly credits plus a bonus $20 in December, $209 CLEAR(R) Plus credit, $300 Equinox credit, up to $155 Walmart+ credit and more annually! Enrollment is required.
  • Up to $120 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®. Enrollment may be required.
  • $895 annual fee.
  • See Rates and Fees

American Express® Gold Card

  • As High As 100,000 points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. See link for details.
  • $84 Dunkin’ Credit. Up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at US Dunkin’ locations. Enrollment is required.
  • $100 Resy Credit. Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Broken down into up to $50 in statement credits semi-annually. Enrollment is required.
  • Up to $120 in Uber Cash annually, via $10 monthly credits (good towards Uber Eats or Uber rides in the US).
  • Up to $120 in annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required.
  • 4X points at restaurants worldwide on up to $50,000 per calendar year.
  • 4X points at US supermarkets on up to $25,000 per calendar year.
  • $325 annual fee.
  • See Rates and Fees

Aeroplan® Credit Card

  • 85,000 bonus points after $4,000 on purchases in first 3 months. See link for details.
  • 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.
  • Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year.
  • Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit.
  • $95 annual fee.
  • Subject to 5/24 rule.

IHG One Rewards Premier Credit Card

  • 140,000 IHG Points after $4,000 in purchases in the first 3 months. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $99 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version also has a competitive offer with no annual fee.

Citi AAdvantage Platinum Select Card

  • 80,000 American Airlines miles after $3,500 in purchases in first 4 months. See link for details.
  • First checked bag free on domestic AA flights ($80 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Barclays AAdvantage Aviator Red Mastercard

  • 50,000 American Airlines miles after any single purchase in the first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($80 value per roundtrip, per person).
  • $0 intro annual fee for the first year, then $99.

Capital One Venture Rewards Credit Card

  • 75,000 Miles (worth $750 in travel) after $4,000 in purchases within 3 months. See link for details.
  • 2 Miles per dollar on all purchases.
  • Up to a $120 credit for Global Entry or TSA PreCheck(R).
  • $95 annual fee.

British Airways Visa Signature® Card

  • 75,000 Avios after $5,000 in purchases within first 3 months. See link for details and redemption tips.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Free Travel Together companion ticket when you spend $30,000 in a calendar year.
  • $95 annual fee.

Chase Sapphire Preferred® Card

  • 75,000 Ultimate Rewards points after $5,000 in purchases within the first 3 months. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase TravelSM, 3x on dining and 2x on all other travel purchases.
  • $95 annual fee.
  • Subject to 5/24 rule.*

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 to offset travel purchases, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Priority Pass + Capital One airport lounge access.
  • Up to a $120 credit for Global Entry or TSA PreCheck(R).
  • $395 annual fee.

Citi Strata Premier Card

  • 60,000 points (worth $600 in gift cards, or transferrable to miles/points) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on Hotel purchases, Air Travel, Restaurants, Supermarkets, Gas Stations, EV Charging.
  • Must not have gotten bonus from or closed a Citi Premier or Strata Premier card in the past 48 months.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 60,000 points (worth $600) after $4,000 in purchases within the first 90 days. See link for details.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Wells Fargo Autograph Journey Card

  • 60,000 points (worth $600 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • $50 annual statement credit with $50 minimum airline purchase.
  • $95 annual fee.

Atmos™ Rewards Ascent Visa Card (Bank of America)

  • 85,000 Atmos points + $99 Companion Fare (must pay taxes & fees from $23) after $4,000 in purchases within the first 120 days of opening your account. See link for details.
  • First checked bag free on Alaska & Hawaiian (primary + up to 6 guests on same reservation). Must purchase flight directly using card. Worth up to $70 roundtrip per person.
  • $95 annual fee.

Hawaiian Airlines MasterCard

  • 80,000 Hawaiian miles after $2,500 in purchases within the first 90 days. See link for details.
  • Two free checked bags for primary cardmember on Hawaiian Airlines or Alaska Airlines flights booked directly with this card. Now includes sports equipment.
  • One-time 50%-off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
  • $99 annual fee.

JetBlue Plus Card

  • Up to 80,000 bonus TrueBlue points. 60,000 bonus points after $1,000 on purchases within the first 90 days and 20,000 bonus points after spending $6,000 within the first year. 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, waived the first year.

Marriott Bonvoy Boundless® Credit Card

  • 3 Free Nights (worth up to 50k points each) after $3,000 in purchases in the first 3 months. See link for details.
  • Free Night after each account anniversary year (valued up to 35,000 Bonvoy points).
  • $95 annual fee.
  • Subject to 5/24 rule.

Hilton Honors American Express Card

  • 100,000 Hilton Honors™ Bonus Points after $2,000 in purchases within your first 6 months. See link for details. Limited-time offer ends 1/14/2026.
  • No annual fee.
  • See Rates and Fees

Marriott Bonvoy Brilliant® American Express® Card

  • 100,000 Marriott Bonvoy(R) bonus points after $6,000 in purchases within the first 6 months of Card Membership. See link for details.
  • Up to $300 in Annual Dining Credits, valid at restaurants worldwide. Enrollment required.
  • Priority Pass™ Select airport lounge membership. Enrollment required.
  • Automatic Marriott Bonvoy(R) Platinum Elite status.
  • Free Night Award upon card anniversary (worth up to 85,000 Bonvoy points).
  • $650 annual fee.
  • See Rates and Fees

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on family trips – domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

* 5/24 Rule? 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 from any issuer on your credit report within the past 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Delta SkyMiles(R) Gold American Express Card: See Rates and Fees

American Express(R) Gold Card: See Rates and Fees

The Platinum Card(R) from American Express: See Rates and Fees

Marriott Bonvoy Brilliant(R) American Express(R) Card: See Rates and Fees

Hilton Honors Card from American Express: See Rates and Fees

Chase Sapphire Reserve® Card: 125,000 Points Offer, $300 Annual Travel Credit, Tons of New Credits, Airport Lounge Access

Updated, also new 125k offer. The revamped Chase Sapphire Reserve® is now offering an opening incentive of 125,000 Ultimate Rewards points along with an even bigger annual fee and many new perks. Highlights:

  • 125,000 Ultimate Rewards points after $6,000 in purchases in the first 3 months.
  • $300 Annual Travel Credit . Every year, the card will automatically rebate you back up to $300 in travel purchases such as airfare and hotel nights charged on your card.
  • $300 StubHub credit. Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/27. Activation required.
  • Free Apple TV+ and Apple Music subscriptions through 6/22/27 — a value of $250 annually, as Apple TV+ runs $12.99/month and Apple Music is $10.99/month normally.
  • $10 Lyft credit monthly, worth up to $120 annually, to use on rides through 9/30/27.
  • $10 per month back on eligible Peloton memberships in statement credits through 12/31/27, for a maximum of $120 annually. Activation required.
  • $500 in annual credits for prepaid bookings at The Edit hotels. This is a specific list of hotels. Broken down into $250 from January to June and $250 from July to December. Two-night minimum required. You also get extra perks like $100 property credit, free breakfast for two, and room upgrades (if available).
  • $300 in annual dining credits at Sapphire Reserve Exclusive Tables. This is a specific list of restaurants. Broken down into $150 from January through June and $150 from July through December for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables with reservations through OpenTable.
  • 8X points on all purchases through Chase Travel, including The Edit hotels.
  • 4X points on flights and hotels booked direct.
  • 3X points on dining worldwide at restaurants, including takeout and eligible delivery services.
  • 1X points on all other purchases. (1 point per $1 spent.)
  • Up to $120 statement credit towards Global Entry, NEXUS, or TSA PreCheck® every four years.
  • Airport lounge access via Priority Pass Select membership. Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select. Plus, get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
  • New: Access to Chase Sapphire Lounges, which are new airport lounges starting at New York’s LaGuardia Airport (LGA), Boston Logan International Airport (BOS), and Hong Kong International Airport (HKG).
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • Annual fee is $795; $195 for each additional authorized user.

Note the following offer language:

This credit card is unavailable to you if you currently have one open. The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed, as well as other factors in determining your bonus eligibility.

Ultimate Rewards points. This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Air Canada, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats.

Personally, my preferred redemption method is Hyatt points, where I can consistently get over 2 cents per points of value for my hotel bookings. Recently, I have also been using my Ultimate Rewards points on the new Air Canada option.

Cash redemptions are a simple and easy option, but the conversion is a straight 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts like family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user (free with Chase Freedom). This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Dedicated customer service line with a live person that answers the phone 24/7. No waiting or complicated phone trees.
  • No foreign transaction fees.
  • Auto Rental Coverage. Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used. (Specific limitations apply to New York residents: Auto Rental Coverage – inside the United States coverage is secondary to your personal automobile insurance.)
  • Trip Cancellation/Trip Interruption Insurance. If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement. If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Lost Luggage Reimbursement. – Up to $2,000 per bag and $10,000 for all covered travelers per trip.
  • Enjoy special car rental privileges from National Car Rental, Avis, and Silvercar when you book with your card.

Bottom line. The Chase Sapphire Reserve® has a huge sign-up bonus, huge annual fee, and huge list of perks. It’s not for everyone, but there is definitely a lot of value for those that can take advantage of its annual credits.

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

Easy, Free Delta SkyMiles for Washington State Residents

seahawksBack again for new NFL season; Everyone must re-enroll. If you are a resident of Washington state and age 18+ (as indicated by your Skymiles account), you can register at www.12status.com and receive the following perks from Delta Airlines:

  • One mile for every yard the Seahawks throw on the field at regular and post season home and away games during the 2025-2026 NFL Season will be awarded in your Delta SkyMiles® account.
  • Priority boarding: 12Status Members will have the ability to board their departure flights at SeaTac during Group 5 from September 8, 2025 until the end of the Seahawks 2025-26 Season.
  • 12Status Members will receive an exclusive 12% discount at Seahawks Pro Shop retail stores on the 12th of each Seahawks in-season month.

There is nothing else you need to do to be eligible. This usually adds up to about 3,000 to 4,000 free Delta miles every year, so worth a quick reminder for WA residents. If you signed up for this last year, you still need to re-register again for this year.

Alaska Airlines Atmos Promos ($25/$50, 15% Off, Free Miles, Targeted)

(Sorry for the server issues, I’m not sure why the bots are attacking me!)

Alaska Airlines is putting out a bunch of different promotions for its new Atmos Rewards program, which is the new name for what replaces both Alaska MileagePlan and HawaiianMiles. Each of these has some restrictions.

Join Atmos Rewards with new account, get $25 or $50 off a new ticket purchase. (Hat tip to DoC.)

  • $50 off for California and Hawaii residents only. – “*This offer is valid for new Atmos™ Rewards signups by residents of California and Hawaii. Eligible new members who join Atmos Rewards via this offer page between January 1, 2025 and December 31, 2025 will receive a discount code valid for $50 off a new ticket purchase on Alaska Airlines. Discount code will be deposited into the new member account within 72 hours of enrollment.”
  • $25 off for all other US residents (not HI/CA). – “*This offer is valid for new Atmos™ Rewards signups by U.S. residents, not valid for State of Alaska, California or Hawaii residents. Eligible new members who join Atmos Rewards via this offer page between January 1, 2025 and December 31, 2025 will receive a discount code valid for $25 off a new ticket purchase on Alaska Airlines. Discount code will be deposited into the new member account within 72 hours of enrollment.”

Sign up for promotional texts, get 15% off flight discount. (May be targeted but worth a shot, as you can always text STOP later, Hat tip TyC of SD.)

  • Text FLY to 252752 by end of 8/27 for a 15% off code. Sign up for Alaska Airlines and Hawaiian Airlines promotional text messages before Wednesday, August 27, 2025, at 11:59 p.m. PT, we’ll send you a discount code for 15% off a flight. Your code will be delivered via SMS on Thursday, August 28, 2025

Your 15% off* discount code is just a text away
Consider this the best welcome gift: When you sign up for Alaska Airlines and Hawaiian Airlines promotional text messages before Wednesday, August 27, 2025, at 11:59 p.m. PT, we’ll send you a discount code for 15% off a flight. Your code will be delivered via SMS on Thursday, August 28, 2025.

It’s simple: Text FLY to 252752 to opt in today, and be first in line for exclusive deals like this.

*Restrictions apply. Discount code provides 15% off published coach base fares available at alaskaair.com. Discount does not apply to taxes, fees, or surcharges. First Class fares and select Economy Class fare types are excluded. Valid only on flights operated by Alaska Airlines and Hawaiian Airlines within North America, excluding service to or from Prudhoe Bay, Alaska (SCC). Discount is limited to published fare routings and subject to market availability; certain origin or destination cities may not be eligible. Flight schedules vary and service may not operate daily. Offer does not apply to codeshare flights. Blackout dates and additional travel restrictions may apply.

Free miles for living near select West Coast soccer/football clubs. Live within a 75-mile radius of one of these teams’ market and get 100 free Atmos points for each goal scored at a home game. You must register at the proper link. Ex. 13 home games x 2.66 average in 2024 = 35 goals = 3,500 points, not bad. (Hat tip Upgraded Points.)

Atmos Rewards Ascent Visa Review: 85,000 Bonus Points + $99 Companion Fare

The Atmos™ Rewards Ascent Visa Signature Card is the one of the new refreshed Alaska Airlines cards in the new combined Alaska–Hawaiian ecosystem. Formerly the Alaska Airlines Visa Signature Card, and still issued by Bank of America. Here are the current highlights:

  • 85,000 Atmos points + $99 Companion Fare (must pay taxes & fees from $23) after $4,000 in purchases within the first 120 days of opening your account. This is a special improved inflight offer, and you can use promo code 108021 if needed.
  • Annual $99 Companion Fare. Get a $99 Companion Fare (must pay taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
  • First checked bag free on Alaska & Hawaiian (primary + up to 6 guests on same reservation). Any cardholder who purchases Alaska and Hawaiian Airlines airfare with their card, and up to 6 additional guests traveling on the same reservation, may check their first bag free.
  • Preferred boarding. Enjoy priority boarding on Alaska now (Hawaiian boarding benefits rolling out this fall).
  • 20% back on all Alaska Airlines and Hawaiian Airlines inflight purchases. Eligible in-flight purchases include food, drinks, and Wi-Fi.
  • Earning structure. 3X points on eligible Alaska Airlines & Hawaiian Airlines purchases; 2X points on everyday categories like gas/EV charging, local transit & rideshare, cable and select streaming services; 1X everywhere else.
  • Bank of America relationship boost. 10% bonus on points from purchases if you have an eligible Bank of America® or Merrill® account.
  • Status via card spending. Throughout 2025, earn one status point for every $3 spent on purchases, up to 30,000 status points total.
  • No foreign transaction fees.
  • $95 annual fee.

Bottom line. The Atmos™ Rewards Ascent Visa Signature® offers a unique set of perks for Alaska Airlines customers (along with Hawaiian Airlines in many cases), including free checked bags for more than just the primary cardholder and the “famous” $99 Companion Fare is still here as well.

I don’t receive any commission for this offer. I will be adding this offer to my ongoing list of Top 10 Best Credit Card Bonus Offers.

Hawaiian Airlines MasterCard Review: 80,000 Bonus Miles + Two Free Checked Bags

The Hawaiian Airlines World Elite MasterCard is still going to be around after the Hawaiian/Alaska merger, although as of 10/1 Hawaiian miles will be converted to Atmos points. This card offers special perks on Hawaiian Airlines, which will still run as a separately-named airline after the merger. Here are the highlights.

The best offer available on this card is often the one they announced in-flight. The application asked for a six-digit promo code, but if you don’t have one from a flight, reportedly it is your flight number. I just tried “001234” and it worked fine, and I’ve even used “000000” when the application page accepted it and got the bonus. A recent code from a flight that a reader sent in was 014929.

  • 80,000 bonus miles. 80,000 bonus HawaiianMiles after spending $2,500 on purchases within the first 90 days.
  • One-Time 50% Off Companion Discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
  • $100 annual companion ticket discount each year for roundtrip travel between Hawaii and North America on Hawaiian Airlines.
  • Two free checked bags (primary cardholder only) on Hawaiian Airlines or Alaska Airlines flights booked directly with this card. Now includes sports equipment. Worth up to $140 roundtrip.
  • 3X miles for every $1 spent on purchases made directly from Hawaiian Airlines and Alaska Airlines.
  • 2X miles per $1 spent on gas, dining, and grocery store purchases, and 1X mile per $1 spent on every other purchase.
  • No foreign transaction fees.
  • $99 annual fee.

Bottom line. The Hawaiian Airlines World Elite MasterCard offers a unique set of perks for regular customers of Hawaiian Airlines, including free checked bags and companion ticket discounts.

I don’t receive any commission for this offer. I will be adding this offer to my ongoing list of Top 10 Best Credit Card Bonus Offers.

Air Canada x Chase Sapphire Reserve 5,000 Point Flight Reward Certificate

Air Canada is offering Chase Sapphire Reserve cardholders a free 5,000 Point Flight Reward Certificate, which reduces the costs of your award flight redemption by 5,000 points. You must be enrolled in Aeroplan, register on the site by 8/18, and they will send it to you within 14 days. The certificate expires a year after delivery into your account.

I don’t know if I’ll use it, but I registered as it lasts an entire year. (I’m assuming that Air Canada strike will be resolved soon enough.) Another potential valuable perk if you recently picked up the Chase Sapphire Reserve again as I did, along with all its other perks. I’m still working my way through them all, turning off my old subscriptions and starting them back up as paid by Chase. By the way, that 100k+$500 offer is supposed to “end soon”.

The fine print:

‡ To be eligible for this offer your Chase Sapphire Reserve Credit Card account must be open and not in default and your Aeroplan account must be in good standing at the time of registration and fulfillment. Only members who register between August 5th at 12:01:01 AM EST and 23:59:59 PM EST on August 18th are considered eligible for this offer. Register for the offer by entering your First Name, Last Name, Aeroplan Number, and the last 4 digits of your Chase Sapphire Reserve credit card and click “Register Now”. The offer is only available to the primary cardmember of the Chase Sapphire Reserve Credit Card account and only one 5,000-point flight reward certificate can be earned per Chase Sapphire Reserve Credit Card account. The First Name and Last Name of your Aeroplan account must match the First Name and Last Name of your Chase Sapphire Reserve Credit Card account. Flight reward certificates have no cash value and cannot be exchanged or refunded. For the purposes of this offer, the expiry date of the Flight reward certificate is 365 days after the day that the flight reward certificate is deposited into your Aeroplan account. The flight reward certificate can take up to 14 days to be deposited into your Aeroplan account from the time of registration. For the purposes of this offer, only one Flight Reward Certificate can be earned per Aeroplan account. Chase is not responsible for the provision of, or failure to provide, the stated offer.

Pet Deals: Amazon $30 Credit w/ $100+, Chewy $30 Gift Card w/ $100+ Purchase

Competing pet offers are back. Chewy and Amazon tend to have their pet sales at the same time. Keep in mind that each retailer has a different list of “eligible” items, so hopefully the brand you use is on at least one of their lists.

  • Amazon: $30 credit when you spend $100 on eligible pet items. Must be “sold by Amazon.com”. Over 1,000 qualifying items. Limit one usage per customer. Promotional credit will be automatically added to your account 30 days after shipment. Promotional credit expires at 11:59 p.m. (PT) on December 16, 2025.
  • Free $30 Gift Card w/ $100 purchase at Chewy. Use promo code STOCKUP. Limit 1 use per order, limit 3 orders per customer. Free eGift card added at checkout with qualifying purchase and automatically added to your Chewy account after your order ships. (Arrives faster than the Amazon credit.) Valid through 8/17/25.

You may wish to try to stack your Chewy purchase with a cashback shopping portal. Many offer new customers bonuses if you make a qualifying purchase, including Swagbucks ($10 bonus), MyPoints ($2 bonus), Rakuten (formerly eBates) ($30 bonus currently, varies), TopCashBack (varies, but often has the highest cashback %), and BeFrugal ($10 bonus). So you could sign-up and stack this deal to trigger the bonus. I have cashed out of all of these in the past.

Here’s a picture of our 4th-most expensive kid:

JetBlue Plus Card Review: Up to 80,000 Bonus Points (First Year Annual Fee Waived)

Limited-time 80k offer with first year annual fee waiver. The JetBlue Plus Mastercard is a rewards credit card that earns TrueBlue points for purchases and includes special perks for JetBlue customers. Right now, there is an increased offer above the common prior 50k and 60k offer levels, which also includes a first-year annual fee waiver. This is a limited-time inflight offer, where you can enter a 5-digit promo code to credit the flight crew. I have read that the code is 6+Flight number (ex. Flight 214 is 60214), but it seems that any 5-digit code will work. I’ve used 00000 on a similar Barclaycard app and it worked fine. Here are the highlights:

  • Up to 80,000 total TrueBlue points. 60,000 bonus points after spending $1,000 on purchases within the first 90 days and earn 20,000 bonus points after spending $6,000 within the first year.
  • First checked bag is free for the primary cardmember and up to 3 companions when you use your JetBlue Plus Card on JetBlue-operated flights.
  • 6X points on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Annual $100 statement credit after you purchase a JetBlue Vacations package of $100 or more.
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases including cocktails, food and movies.
  • Points Payback option allows you to redeem points for a statement credit – up to $1,000 per year.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • 5,000 TrueBlue bonus points annually after your account anniversary.
  • $0 intro annual fee for the first year, after that, $99.

First checked bags on JetBlue usually cost at least $35 each-way, per person (technically $35 if prepaid or $45 if paid at the airport). The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember’s TrueBlue member number must be entered at the time of booking. That works out great for a family traveling together. If you buy higher fare classes, a certain number of complimentary bags may already be included.

How does redeeming TrueBlue points work? TrueBlue works on a revenue-based system, where the points required depends on the current cash cost of the flight (with no blackout dates). If they sell it for cash, you can book it with points. This is different than traditional chart-based systems that charge a fixed point balance but imposes blackout dates and limited seat availability.

TrueBlue points are best redeemed for JetBlue flights. There are some other options like newspaper or magazine subscriptions, but I won’t cover them here.

TrueBlue points can be estimated at 1 points = 1.3 cents. Ex. 30,000 points would cover roughly $390 in JetBlue airfare. The exact value may vary, but 1.3 cents is a conservative average of what I found across Blue, Blue Plus, and Blue Flex fares. You can test it out yourself by pricing out the same flight on JetBlue.com using points or cash (you don’t need to sign-in or have an account). Here is an example of a randomly-chosen Blue flight from New York City (JFK) to Orlando (MCO). The roundtrip flight costs $250.20 cash total:

Or the exact same roundtrip flight costs 15,800 TrueBlue points + $11.20 in taxes/fees:

That means the 15,800 points offset $239 in cash, or a value of 1.51 cents per TrueBlue point. But again, 1.3 is a conservative average estimate.

This means 2X points back on restaurants and groceries can be estimated as 2.6% back in the form of TrueBlue airfare. The 3X points back on Jetlue-operated flights can be 3.9% back in the form of TrueBlue airfare. The 6X points back with the Plus card on JetBlue-operated flights can be 7.8% back in the form of TrueBlue airfare.

Upon the renewal of your $99 annual fee, you get another 5,000 TrueBlue points ($65 of airfare value at 1.3 cents/point). If you can take advantage of the free checked bag perk, there is definitely ongoing value for regular JetBlue fliers. I haven’t investigated the $100 off a JetBlue Vacations package, but it could be worth a look.

As a minimum baseline value, you can redeem up to 100,000 TrueBlue points per year at 1 cent a point for a flat statement credit. So 30,000 points = $300, and so on. You always get more value redeeming for a JetBlue flight, but I know some people may just want to cash out.

Bottom line. The JetBlue Plus card from Barclaycard offers several perks for regular JetBlue customers such as a free first checked bag for you and up to 3 companions. There is also a nice sign-up bonus for new applicants.

Also see: Top 10 Best Credit Card Bonus Offers.

There is also a JetBlue Business card that currently offers up to 80,000 bonus points. Also see: Top 10 Best Business Card Offers.

Best Interest Rates Survey: Bank Accounts, Treasury Bills, Money Markets, ETFs – August 2025

Here’s my monthly survey of the best interest rates on cash as of August 2025, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of our idle cash, and you can often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn from switching. Rates listed are available to everyone nationwide. Rates checked as of 8/10/2025.

TL;DR: Savings account interest rates are mostly stable (maybe a tiny bit lower on average) with one at 5% APY but most struggling to stay above 4.00% APY. Short-term T-Bill rates at around 4.3%. Top 5-year CD rates are ~4.25% APY, while 5-year Treasury rate is ~3.8%.

High-yield savings accounts*
Since the huge megabanks still pay essentially no interest, everyone should at least have a separate, no-fee online savings account to piggy-back onto your existing checking account. The interest rates on savings accounts can drop at any time, so I list the top rates as well as competitive rates from banks with a history of competitive rates and solid user experience. Some banks will bait you with a temporary top rate and then lower the rates in the hopes that you are too lazy to leave.

  • The top saving rate at the moment: HUSTL Financial at 5.00% APY (no min), a division of Vantage West Credit Union, member NCUA (and thus not a fintech). No direct experience with this one; wonder how long it will last? The “good/excellent” savings rate zone appears to be roughly 4% and above. CIT Platinum Savings is now at 4.00% APY with $5,000+ balance. There are many banks in between.
  • SoFi Bank is at 3.80% APY + up to $325 new account bonus with direct deposit. You must maintain a direct deposit of any amount (even $1) each month for the higher APY. SoFi has historically competitive rates and full banking features. See details at $25 + $300 SoFi Money new account and deposit bonus.
  • Here is a limited survey of high-yield savings accounts. They aren’t the top rates, but a group that have historically kept it relatively competitive such that I like to track their history. I’d call this the “okay/good” zone of 3.50%+.

Short-term guaranteed rates (1 year and under)
A common question is what to do with a big pile of cash that you’re waiting to deploy shortly (plan to buy a house soon, just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

  • No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere. Marcus has a 13-month No Penalty CD at 4.15% APY ($500 minimum deposit). Farmer’s Insurance FCU has a 9-month No Penalty CD at 4.25% APY ($1,000 minimum deposit). USA USALLIANCE Financial CU has a 11-month No Penalty CD at 4.20% APY ($500 minimum deposit).
  • Eagle Bank has a 12-month certificate at 4.40% APY ($1,000 min). Early withdrawal penalty is 90 days of interest.

Money market mutual funds
Many brokerage firms that pay out very little interest on their default cash sweep funds (and keep the difference for themselves). Note: Money market mutual funds are highly-regulated, but ultimately not FDIC-insured, so I would still stick with highly reputable firms.

  • Vanguard Federal Money Market Fund (VMFXX) is the default sweep option for Vanguard brokerage accounts, which has an SEC yield of 4.22% (changes daily, but also works out to a compound yield of 4.30%, which is better for comparing against APY). Odds are this is much higher than your own broker’s default cash sweep interest rate.
  • Vanguard Treasury Money Market Fund (VUSXX) is an alternative money market fund which you must manually purchase, but the interest will be mostly (100% for 2024 tax year) exempt from state and local income taxes because it comes from qualifying US government obligations. Current SEC yield of 4.24% (compound yield of 4.32%).

Treasury Bills and Ultra-short Treasury ETFs
Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks and are fully backed by the US government. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-bill interest is exempt from state and local income taxes, which can make a significant difference in your effective yield.

  • You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 8/8/25, a new 4-week T-Bill had the equivalent of 4.36% annualized interest and a 52-week T-Bill had the equivalent of 3.92% annualized interest.
  • The iShares 0-3 Month Treasury Bond ETF (SGOV) has a 4.24% SEC yield (0.09% expense ratio) and effective duration of 0.10 years. SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (BIL) has a 4.16% SEC yield (0.136% expense ratio) and effective duration of 0.15 years. The new Vanguard 0-3 Month Treasury Bill ETF (VBIL) has a 4.21% SEC yield (0.07% expense ratio) and effective duration of 0.10 years.

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. If you redeem them within 5 years there is a penalty of the last 3 months of interest. The annual purchase limit for electronic I bonds is $10,000 per Social Security Number, available online at TreasuryDirect.gov.

  • “I Bonds” bought between May 2025 and October 2025 will earn a 3.98% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More on Savings Bonds here.
  • In mid-October 2025, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will post another update at that time.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops which usually involve 10+ debit card purchases each cycle, a certain number of ACH/direct deposits, and/or a certain number of logins per month. If you make a mistake (or they judge that you did) you risk earning zero interest for that month. Some folks don’t mind the extra work and attention required, while others would rather not bother. Rates can also drop suddenly, leaving a “bait-and-switch” feeling.

  • OnPath Federal Credit Union (my review) pays 7.00% APY on up to $10,000 if you make 15 debit card purchases, opt into online statements, and login to online or mobile banking once per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization. You can also get a $100 Visa Reward card when you open a new account and make qualifying transactions.
  • Genisys Credit Union pays 6.75% APY on up to $7,500 if you make 10 debit card purchases of $5+ each per statement cycle, and opt into online statements. Anyone can join this credit union via $5 membership fee to join partner organization.
  • La Capitol Federal Credit Union pays 5.75% APY on up to $10,000 if you make 15 debit card purchases of at least $5 each per statement cycle. Anyone can join this credit union via partner organization, Louisiana Association for Personal Financial Achievement ($20).
  • First Southern Bank pays 5.50% APY on up to $25,000 if you make at least 15 debit card purchases, 1 ACH credit or payment transaction, and enroll in online statements.
  • Credit Union of New Jersey pays 6.00% APY on up to $25,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit, online bill payment, or automatic payment (ACH) per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization.
  • Andrews Federal Credit Union pays 5.50% APY (down from 6%) on up to $25,000 if you make 15 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization.
  • Find a locally-restricted rewards checking account at DepositAccounts.

Certificates of deposit (greater than 1 year)
CDs offer higher rates, but come with an early withdrawal penalty. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD to keep the ladder going. Some CDs also offer “add-ons” where you can deposit more funds if rates drop.

  • Mountain America Credit Union (MACU) has a 5-year certificate at 4.25% APY ($500 minimum), 4-year at 4.20% APY, 3-year at 4.15% APY, 2-year at 4.00% APY, and 1-year at 4.15% APY. Early withdrawal penalty for the 4-year and 5-year is 365 days of interest. Anyone can join this credit union via partner organization American Consumer Council for a one-time $5 fee (or try promo code “consumer”).
  • Lafayette Federal Credit Union (LFCU) has a 5/4/3/2/1-year certificates at 4.28% APY ($500 min). Slightly higher rates with jumbo $100,000+ balances. Note that the early withdrawal penalty for the 5-year is a relatively large 600 days of interest. Anyone nationwide can join LFCU by joining the Home Ownership Financial Literacy Council (HOFLC) for a one-time $10 fee.
  • You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. You may need an account to see the rates. These “brokered CDs” offer FDIC insurance and easy laddering, but they don’t come with predictable early withdrawal penalties. Right now, I see a 5-year non-callable brokered CD at 3.95% APY (callable: no, call protection: yes). Be warned that both Vanguard and Fidelity will list higher rates from callable CDs, which importantly means they can (and will!) call back your CD if rates drop significantly later.

Longer-term Instruments
I’d use these with caution due to increased interest rate risk (tbh, I don’t use them at all), but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10 years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don’t come with predictable early withdrawal penalties. You might find something that pays more than your other brokerage cash and Treasury options. Right now, I see a 10-year CDs at 3.85% (non-callable) vs. 4.27% for a 10-year Treasury. Watch out for higher rates from callable CDs where they can call your CD back if interest rates drop.

All rates were checked as of 8/10/25.

* I no longer recommend fintech companies due to the possibility of loss due to poor recordkeeping and lack of government regulation. (Ex. Evergreen Wealth at 5% APY is a fintech.)

Photo by insung yoon on Unsplash

Blue Cash Preferred® Card from American Express Review: 6% Cash Back at US Supermarkets ($6,000/Year), Enhanced $120 Disney Streaming Credit

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Updated with improved $120 Disney Streaming Credit (now up to $10 per month with no minimum or bundle required). The card_name is one of my longtime keeper cards even with an annual fee. The headline feature is 6% cash back at US stand-alone supermarkets on up to $6,000 per year in eligible purchases (then 1%), but I also use it for 6% cash back on all my streaming subscriptions. If you spend $100 a week at supermarkets, that alone will earn you over $300 a year in rewards. The welcome offer is also currently very generous. The highlights:

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • 0% Intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be reg_apr,reg_apr_type.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1% after that).
  • 6% cash back on select U.S. streaming subscriptions.
  • 3% cash back at eligible U.S. gas stations.
  • 3% cash back on eligible transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 1% cash back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $120 Disney Streaming Credit. Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred(R) Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • $0 intro annual fee for the first year, then $95.
  • See Rates and Fees

Max out your benefit by buying gift cards at US supermarkets. I use this card to buy gift cards at eligible supermarkets to use up the annual limit and get 6% back. My local Safeway has an entire wall of options, but I usually go with Amazon, Apple, or Starbucks (gifts). You can easily confirm that your purchase still gets 6% cash back on your account online:

Supermarkets details. “US stand-alone supermarkets” means that superstores, convenience stores and warehouse clubs are not considered supermarkets. This means no Super Wal-Mart, no Super Target, no Costco. Examples of merchants that do count (and this is not a complete list!) are (source):

ALDI
FreshDirect
Gelson’s
Hy-Vee
Kings Food Markets
Meijer
ShopRite
Smart & Final
Stop & Shop
Trader Joe’s
Vons
Whole Foods
Winn-Dixie

Gasoline details. “US stand-alone gas stations” means that superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations. This means no Target, no Costco, no Sam’s Club. Examples of merchants that count (again not a complete list!) are Exxon, Mobil, Hess, Shell, Gulf, Murphy USA, Murphy Express.

US Streaming Subscriptions details. These are all included at 6% cash back:

Amazon Music Unlimited
AMC+
Apple Music
Apple TV+
Audible
Britbox
DirecTV Stream (formerly known as AT&T TV or AT&T TV NOW)
Discovery+
Disney+
ESPN+
Fubo TV
HBO Max
Hulu
iHeartRadio
Kindle Unlimited
Luminary
MGM+
MLB.TV
NBA League Pass
Netflix
Pandora
Paramount+
Peacock
Prime Video
Sling TV
SiriusXM Streaming and Satellite
Spotify
Starz
TIDAL Music
YouTube Music Premium
YouTube Premium
YouTube TV

Disney Streaming credit details (worth up to $120 a year). Now, with the enhanced $120 Disney Streaming Credit, you can earn up to $10 back per month as a statement credit when you use your enrolled Blue Cash Preferred® Card to purchase a subscription, or bundle subscription, on DisneyPlus.com, Hulu.com, or Plus.espn.com U.S. websites, now with no minimum purchase requirement. Subscription is subject to auto-renewal.

If you already have this card, you can enroll in this offer here.

Annual fee. There is a $0 intro annual fee for the first year, then $95, but with the improved Disney Streaming credit that works with no minimums from Disney Plus, Hulu, and ESPN+, that can already more than completely offsets any future annual fee on its own. We already pay for Disney+ with no ads, so we already max out the $120 in annual credits.

The 6% cash back category can also quickly help this card earn its keep. The max cap of $6,000 annually works out to a steady averaged rate of $500 a month, which at 6% back would net you $360 cash back in a year vs. $60 at 1% cash back. Heck, simply hitting the $100 mark in a single trip at the supermarket is far too easy these days.

Alternatively, the card_name offers 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%) and other perks but with no annual fee. Terms apply. (See Rates and Fees)

Cash back is officially given in the form of Reward Dollars that can be redeemed as a statement credit, gift cards, and merchandise. You can also use it to offset your Amazon.com purchases at checkout. I usually just stick with statements credit to directly pay down my monthly bill.

Bottom line. The card_name has the key feature of 6% cash back at US supermarkets (on up to $6,000 per year). You can now also get 6% cash back on Netflix/Spotify/HBO Now as well as 3% cash back at US gas stations and transit (Uber/Lyft/train). This has been a “keeper” card for me for many years now. I treat it like one of my 5% cash back cards, except there are no rotating categories or activations to worry about. They also just improved their Disney Streaming credit to be worth up to $10/month ($120 annually), which I also utilize.

Rates and Fees for Blue Cash Preferred® Card from American Express :Rates and Fees for Blue Cash Preferred® Card from American Express

Rates and Fees for Blue Cash Everyday® Card from American Express: Rates and Fees for Blue Cash Everyday® Card from American Express

Capital One 360 Checking $250 Bonus w/ Direct Deposit

Capital One has a $250 bonus for “new” 360 Checking accountholders. What is “new”? If you have or had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary account holder with Capital One on or after January 1, 2022, you will be ineligible for the bonus. Here are the details:

  • Open a 360 Checking account on or after August 22, 2024, using promotional code CHECKING250.
  • Complete at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening.
  • You have 75 days to complete the requirements above. After the first 75 days from account opening, your status to receive the bonus will be assessed and processed, which can take up to 60 days. This means, if all requirements are met, you can expect your bonus to be deposited into your account within 135 days from account opening. To receive your bonus, your account must also be open and in good standing at the time the bonus will be deposited.

(This can be a good idea to close any idle Capital One 360 accounts.)

The 360 Checking account is similar to many other online checking options. There is a rather disappointing 0.10% APY interest rate, and nothing special other than the ability to link easily with 360 Savings. Highlights:

  • No monthly fees, no minimum balance required.
  • 0.10% APY on all balance tiers.
  • Remote check deposit via app.
  • Paper checks will cost you $20 for 50 checks, or $25 for 100 checks.
  • In addition to their own ATMs, Capital One uses the Allpoint ATM network for fee-free ATM access.
  • You can use your 360 Savings as the overdraft backup source of funds.

A pretty generous checking bonus if you are eligible, but not that attractive long-term unless you already prefer using CapOne 360 Savings.