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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!
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
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.
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.
2. Chase Southwest Cards
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.
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.
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
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!
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.
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:
- Hilton HHonors™ Card from American Express – Earn 60,000 Hilton points after you spend $750 in purchases on the Card within your 1st 3 months of opening your account (according to this post)
- Hilton HHonors™ Surpass® Card from American Express – Earn 60,000 Hilton points after spending $3,000 on purchases within 1st 3 months of opening your account (according to this post)
- Citi® Hilton HHonors™ Reserve Card – Earn 2 weekend night certificates good at select hotels & resorts within the Hilton portfolio after $2,500 in purchases within 4 months of account opening
- Citi® Hilton HHonors™ Visa Signature® Card – Earn 40,000 Hilton points after spending $1,000 in purchases within the 1st 4 months of account opening
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!
6. 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!
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
Alaska Airlines has an interesting list of airline partners, like American Airlines, Icelandair, and 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
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
The $175 annual fee is waived the 1st year.
9. 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.
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!
I like United Airlines miles because:
- They have more airline partners than any other US airline
- They never add fuel surcharges to award tickets
- It’s easy to search for award flights
- You can instantly transfer Chase Ultimate Rewards points to United Airlines
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
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!
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!