We Always Tell You the Best Offers — Top 10 Cards With No Commission!

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Emily and I want our readers to always get the best offers when they sign-up for a credit card – even if it means we don’t earn a commission.

I’ve written about my mother-in-law rule.  I always list the best credit card offer I’m aware of, even if we don’t earn a cent from it!

And I’m always grateful when readers bring better offers to our attention!

We Always Tell You The Best Offers Top 10 Cards With No Commission

The Best Offers Are at Your Fingertips! We Want You to Get the Most Miles, Points, or Cash Back – And We’ll Always Let You Know About the Best Deals!

I’ll show you the top 10 cards that do NOT earn us a commission but DO earn you Big Travel with Small Money!

Why Do We Tell You About the Best Offers?

Link:   Hot Deals

Million Mile Secrets readers are the best readers there are!  We love hearing about how you’ve gotten Big Travel with Small Money from the tips and tricks you’ve learned here.

When we started the blog, I told you I’d always let you know if I found a better public offer for any credit card, even if it means giving up our commission on the card.

We earn a commission on cards that have an image of the card under the card’s name on the Hot Deals page.  But if you only see a link with the card’s name, and no card image beneath, that means Emily and I get nothing if you apply.

Yes, but Why?

Because it’s the right thing to do.

And we won’t ever stop doing it!

We’re not shy about telling you about the best offers.  Even if there’s a lesser offer that would earn us a commission.

In fact, the top 3 cards on 10 Best Deals in Travel link to cards that earn nothing for the blog.

And that’s fine by us!

Thank you for reading our blog all these years.  We really do have the best readers!

The Top 10 Deals That Earn Us $0!

I’ll show you 10 top cards with great deals where you get a higher sign-up bonus of more miles, points, or cash back – that currently earn us nothing if you apply!

1.   Ink Plus® Business Credit Card

Link:   Ink Plus® Business Credit Card

The Chase Ink Plus small business card has an increased sign-up bonus!  Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

We Always Tell You The Best Offers Top 10 Cards With No Commission

The Chase Ink Plus Is a Top Pick for Big Travel With Small Money!

Chase Ultimate Rewards points are my favorite kind of points because you can get Big Travel when you transfer to travel partners like Hyatt, Southwest, British Airways, or United Airlines.

60,000 Chase Ultimate Rewards points are also worth $750 towards travel with NO blackout dates at the Chase Travel Portal.

Here’s my review of the fantastic Ink Plus card.

2.   Chase Southwest Cards

Link:   Southwest Airlines Rapid Rewards® Premier Credit Card

Link:   Southwest Airlines Rapid Rewards® Premier Business Credit Card

Emily and I love to fly Southwest.  That’s because we get 2 free checked bags on all our flights, free flight changes, and NO cancellation fees if our plans change.

We Always Tell You The Best Offers Top 10 Cards With No Commission

We LUV Southwest! And We Want You to Get the Most Points Toward the Southwest Companion Pass, the BEST Deal in Domestic Travel

You can currently earn 50,000 Southwest points when you complete the minimum spending on the Chase Southwest Premier, and Premier small business card.

So it’s now easier to earn the Companion Pass by signing-up for 1 personal and 1 small business card!  Just be sure to watch out for these 3 mistakes that won’t get you a Companion Pass!

Note:   Keep in mind Chase’s new stricter rules for approving new cards.  If you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months, it’s VERY UNLIKELY Chase will approve you for ANY of their credit cards.

3.   Chase Hyatt

Link:   Chase Hyatt

If you’ve had a paid stay at Hyatt since May 1, 2015, you can earn 2 free nights at ANY Hyatt worldwide with the Chase Hyatt card after completing the minimum spending requirements.

This includes top-tier luxury hotels like the Park Hyatt Vendome Paris where Emily and I stayed.  Plus you’ll earn a $50 statement credit after your 1st purchase.

We Always Tell You The Best Offers Top 10 Cards With No Commission

Get 2 Nights at the All-Inclusive Hyatt Ziva Cancun, or ANY Other Hyatt Hotel in the World!

You can easily save over $1,000 on 2 nights at expensive hotels.  Plus, you get a free night certificate each year you’re a cardmember for a stay at a Hyatt Category 1 through 4 hotel.

If you haven’t stayed at a Hyatt hotel since May 1, 2015, you can still earn 2 free nights but NOT the $50 statement credit.

Either offer is a terrific deal!

4.   Chase United Airlines Small Business Card

Link:   Chase United Airlines Small Business Card

You can earn 50,000 United Airlines miles after completing minimum spending within the 1st 3 months of opening a new Chase United Airlines small business card.  That’s enough for 2 round-trip coach award flights within the mainland US, Canada, or Alaska!

We Always Tell You The Best Offers Top 10 Cards With No Commission

Fly Round-Trip in Coach to Miami From Anywhere in the Mainland US, Alaska, or Canada for 25,000 United Airlines Miles!

And remember, you’ll pay only 10,000 United Airlines miles each way for flights under 700 miles.  So the sign-up bonus on the Chase United Airlines small business card is enough for 5 short 1-way flights!

The annual fee is $95, but it’s waived the 1st year.  Here’s my review of the United Airlines small business card.

And here are tips on how to qualify for a small business credit card!

5.   Hilton Cards

Link:   Hotel Cards – Hot Deals

It’s very easy to earn lots of Hilton points for Big Travel.

We Always Tell You The Best Offers Top 10 Cards With No Commission

Enjoy Award Nights at the Hilton Bora Bora Nui Resort & Spa With Hilton Credit Cards!

There are 4 Hilton credit cards available, and 3 of them don’t earn us a commission.  But we want you to get the card that’s best for you!

The Hilton cards are:

We don’t earn a commission on the 1st 3 cards in the list, including the Citi Hilton HHonors Reserve card, which is valuable because you can get 2 weekend night certificates to use at most Hilton hotels, including resorts and luxury hotels like the Hilton Seychelles Labriz Resort & Spa!

Here’s how to decide which Hilton credit card is right for your travel goals.

6.   Chase IHG Rewards Club Select Card

Link:   Chase IHG Rewards Club Select Card

We posted our own link for this card, until we found a better deal to get the same number of points with a $50 statement credit.  Then we let you know about it!

We Always Tell You The Best Offers Top 10 Cards With No Commission

The Chase IHG Rewards Select Card Comes with a Free Night Certificate Each Year You’re a Cardmember. You Can Use It at ANY IHG Hotel, Like the InterContinental Sydney Double Bay Hotel, That Would Normally Cost Hundreds of Dollars!

Here’s how to get the most Big Travel from this worthwhile card.  And here are 5 top hotels in the US and Europe to use your annual free night certificate!

Emily and I both have this card.  It’s worth keeping year after year, even with the $49 annual fee (waived for the 1st year), for the annual free night certificate!

7.   Bank of America Alaska Airlines Card

Link:   Bank of America Alaska Airlines Visa Signature® Card

Alaska Airlines has an interesting list of airline partners, like American Airlines, Icelandair, and Emirates.

We Always Tell You The Best Offers Top 10 Cards With No Commission

The Bank of America Alaska Airlines Card Can Get You Closer to a First Class Flight on Emirates!

With the Bank of America Alaska Airlines card, you’ll earn 25,000 Alaska Airlines miles after your 1st purchase – no minimum spending required!

And you’ll earn a $100 statement credit after you spend $1,000 on purchases in the 1st 90 days of opening your account.

8.   Wells Fargo Propel World American Express® Card

Link:   Wells Fargo Propel World American Express

The Wells Fargo Propel World American Express card has a sign-up bonus of 40,000 Wells Fargo points (worth at least $400 in statement credits) after spending $3,000 on purchases in the 1st 3 months of opening your account.

You’ll also get:

  • 3 points per $1 you spend on purchases directly from airlines
  • 2 points per $1 you spend on purchases directly from hotels
  • 1 point per $1 you spend on everything else
  • $100 statement credit for airline incidentals (like baggage fees, lounges, or in-flight food & drink)
  • No foreign transaction fees
  • Travel perks including a luxury hotel program, concierge, and vacation, cruise, and car rental discounts
We Always Tell You The Best Offers Top 10 Cards With No Commission

Use the Sign-Up Bonus From the Wells Fargo Propel World Card Toward a Hawaiian Vacation – or Anything Else!

The $175 annual fee is waived the 1st year.

Here’s my review of the Wells Fargo Propel World American Express card.  Don’t forget, this card also comes with up to $600 in coverage if you lose or damage your cell phone!

9.   United MileagePlus® Explorer Card

Link:   United MileagePlus® Explorer Card

The Chase United Explorer is a great card to have in your wallet if you redeem United Airlines miles frequently, or if you often buy paid United Airlines tickets.

That’s because folks with the Chase United Explorer card have access to even more award seats and get their 1st checked bag free when you use your card to pay for your ticket.

You’ll also get priority boarding on United Airlines flights.

You’ll earn 30,000 United Airlines miles after you spend $1,000 on purchases in the 1st 3 months of opening your account.  And a $50 statement credit after your 1st purchase.

To get this deal, search for a flight on United.com and you’ll see an ad for the card.  My link doesn’t have a $50 statement credit, so apply for the better offer!

We Always Tell You The Best Offers Top 10 Cards With No Commission

United Airlines Has the Most Airline Partners of Any Domestic Airline, So It’s Easier to Use Their Miles

I like United Airlines miles because:

The sign-up bonus on this has been as high as 50,000 United Airlines miles, so you might want to wait until that offer comes back.

But if you want to earn United Airlines miles sooner rather than later, it’s still a solid offer.

10.   Barclaycard Wyndham Rewards

Link:   Barclaycard Wyndham Rewards

I wrote about how to save over $1,000 on Big Travel with the Barclaycard Wyndham Rewards cards.

We Always Tell You The Best Offers Top 10 Cards With No Commission

Hang Ten! Enjoy Waves in Hawaii and Save Over $1,000 When You Stay at the Wyndham Koloa Landing at Poipu Beach

The sign-up bonus on the premium version of the card with a $69 annual fee is currently 45,000 Wyndham points.  A night at ANY Wyndham hotel costs only 15,000 Wyndham points, so you can earn enough for 3 free nights at Wyndham’s top hotels and all-inclusive resorts!

Bottom Line

Thank you for reading our blog throughout the years, and trusting us to always give you the best credit card deals!

We’ll tell you about the top cards to earn Big Travel with Small Money even if they don’t earn us a commission.  And these 10 offers do not!

Remember, any offer you see in Hot Deals that does not have an image of the credit card, does NOT earn Emily or me a commission.  We’re happy to include these because we believe it’s the right thing to do.

And besides, the more fun you have traveling, the more you’ll connect with us to share your success stories!

Let me know which of these 10 credit card deals is your favorite!

* If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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9 responses to “We Always Tell You the Best Offers — Top 10 Cards With No Commission!

  1. It would seem that the Astoria/Conrad hotel in the Maldives would allow for the redemption of the 2 weekend nights gift certificate, as it is not in this exclusion list?

    https://www.hiltonhhonors.com/ProcessLanding/ProcessLanding/?lp=citiparticipatingproperties

  2. glad the “mother-in-law” rule endures. 🙂 Yes, one of the early distinctives notices here long ago…

    (yet somehow hadn’t read the original explanation behind that rule — thanks for posting the link to it. No doubt lots of us have horror stories about commission based investment brokers — including those who preach one thing, e.g., “buy ‘n hold forever” while doing something different in their personal accounts…. grrrrr)

    Here’s to your (honorary) mother-in-law. May she live long, prosper & boldly go anywhere!…. 🙂

  3. Wells Fargo Propel : They will approve only if you have other existing banking relationship with them like checking/mortgage etc.

  4. I applied for the United Explorer business card 2.5 weeks ago and have not heard back from Chase. Do I need to call or just wait it out. Currently have Freedom and Ink plus. Thanks!

  5. @Rogerio – If it’s not excluded, you should be fine!

    @escot – Thank you for reading! Here’s to always getting the best deals! 🙂

    @TomJ – I hadn’t heard that before, thank you for sharing!

    @Kay – You can always give them a call to see if they need more information from you. Sometimes that helps to move things along. Good luck!

  6. Daraius, thanks very much for giving us full information on the best cards. The mother-in-law rule shows you’re a man of honor!

  7. @Brooke – You’re very welcome! Thank you for reading and taking the time to comment! 🙂

  8. Can you have both Wyndham cards at the same time?

  9. Quick question on the Wells Fargo card. When i try and hit minimum spend i usually use my Serve account to hit the min spend. Do you know if this works for co-branded AMEX cards like this one as well? Thanks!!