Our Readers Come First! Top 10 Cards That Don’t Earn Us Commission

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Barclaycard, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners. Here’s our Advertiser Disclosure.

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 deals when they sign-up for a credit card – even if it means we don’t earn a commission.

I always list the best credit card offers I’m aware of, even if we don’t earn a dime!

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

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

We’re As Excited As You Are About These Deals – Even If We Don’t Get Paid!

I’ll share the current 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 around!  We love hearing your personal stories of earning Big Travel with Small Money from the tips and tricks you’ve learned here.

When we started the blog, I promised to always let you know if I found a better public offer for any credit card, even if it means losing our commission on the card.

We earn a commission on cards that have a card image under the card’s name on the Hot Deals page.  If you only see a link with the card’s name, and no card image beneath, that means Emily and I earn 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, many of the top 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 or points – that currently earn us nothing if you apply!

1.   Citi Prestige Card

Link:   Citi Prestige Card

With the Citi Prestige card, you can earn 50,000 Citi ThankYou points when you spend $3,000 on purchases within the first 3 months of opening your account.  (EXPIRED.)

You’ll also get a $250 statement credit for airline fees (like airfare and baggage fees), a $100 statement credit for Global Entry, and access to airport lounges, including Priority Pass and American Airlines Admirals Club.

You can get Big Travel with your sign-up bonus.  For example, you can transfer Citi ThankYou points to Singapore Airlines miles to fly on United Airlines to Hawaii.

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

Citi Prestige Cardholders Get the 4th Night Free When They Book Paid Hotel Stays Through the Citi Concierge!

You’ll also get your 4th night free on paid hotel stays when you book through the Citi Prestige Concierge!  And it can be at any hotel that can be booked by their travel agency!

The $450 annual fee is high.  But you can offset it with the $250 airline credit per calendar year, the $100 statement credit for Global Entry, and access to airport lounges.

Here’s my full review of the Citi Prestige.

2.   Chase Southwest Cards

Link:   Chase Southwest Plus

Link:   Chase Southwest Premier (Business)

Emily and I love to fly Southwest.  That’s because we get free flight changes and NO cancellation fees if our plans change.  And the 2 free checked bags are nice, too!

The current offers are 50,000 Southwest points when you complete the minimum spending on the Chase Southwest Plus and Chase Southwest Premier small business card.

Note:   We do earn a commission for the Chase Southwest Premier card.  But not for the other two!

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

It’s More Fun to Travel With a Partner. The Southwest Companion Pass Allows You to Take a Friend Along for (Almost) Free!

So the Southwest Companion Pass is now easier to earn 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!

3.   (Limited-Time) United MileagePlus® Explorer Card

Link:   United MileagePlus® Explorer Card

For a limited time, you can earn 50,000 United Airlines miles when you meet the minimum spending requirements on the United MileagePlus® Explorer Card.  And another 5,000 United Airlines miles when you add an authorized user and make a purchase in the first 3 months of opening your account.  (EXPIRED.)

Plus, you’ll get a $50 statement credit after your first purchase!

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

Get Big Travel With Star Alliance by Using United Airlines Miles

This is a MUCH better deal than the usual 30,000 mile sign-up bonus.  But some folks are targeted for 70,000+ mile sign-up bonus.  So do NOT apply for this card until you check if you’re eligible for a better deal!

The $95 annual fee is NOT waived the first year.  But there are no foreign transaction fees, which makes it a good card to use overseas.

Here’s my review of the card and my guide to earning and using United Airlines miles!

Remember, Chase has tightened its application rules.  So if you’ve opened ~5+ credit cards within the past 24 months from ANY bank, it’s likely you will NOT be approved for the card.

4.   Chase Hyatt

Link:   Chase Hyatt

With the Chase Hyatt card, you’ll earn 2 free nights at ANY Hyatt worldwide after spending $1,000 on purchases in the first 3 months of opening your account.

You can easily save over $1,000 on 2 nights at expensive hotels.  Emily and I used our free nights at the Luxurious Park Hyatt Paris Vendome, where rooms usually go for ~$850+ per night!

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

Get 2 Free Nights at the Beautiful Grand Hyatt Beijing, or ANY Other Hyatt Hotel in the World!

You’ll also get another 5,000 bonus Hyatt points when you add an authorized user and make a purchase within the first 3 months of account opening.  And you get a free night certificate each year you’re a cardmember for a stay at a Hyatt Category 1 through 4 hotel.  You also get free Hyatt Platinum status too!

The $75 annual fee is waived for the first year.  Here’s my review of the Hyatt credit card.

5.   Hilton HHonors Reserve

Link:   Citi Hilton HHonors Reserve

The Citi Hilton HHonors Reserve card is a great way to get 2 weekend nights at almost ANY Hilton (even their luxury resorts!) very quickly.

You’ll earn 2 weekend night certificates after you spend $2,500 on purchases in the first 4 months of opening your account.

And get a $100 statement credit for your first $100+ Hilton stay in the first 6 months of account opening.

To see the better offer, make a test booking on the Hilton website and an ad for the card should appear on the final booking screen.   Here’s my post with instructions on how to see the deal!

Take a look at my series on Hilton’s top-rated hotels for some ideas on where to use your weekend night certificates!  Some of these hotels cost over $1,000 per night, like the Conrad Maldives Rangali Island!  Emily and I took our families there, and it was incredible!

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

You Can’t Help but Relax at the Conrad Maldives

Remember, you’ll earn your certificates shortly after the statement in which you complete the minimum spending closes.  And you’ll have 1 year from the date they’re issued to complete your stay.

You can read my review of the card here.

6.   Citi® / AAdvantage® Executive World Elite™ MasterCard®

Link:   Citi® / AAdvantage® Executive World Elite™ MasterCard®

You’ll earn 60,000 American Airlines miles after spending $5,000 on purchases in the first 3 months of opening your Citi® / AAdvantage® Executive World Elite(TM) MasterCard® account.

Usually, the sign-up bonus is 50,000 American Airlines miles after meeting minimum spending.  So this is a better deal!

The $450 annual fee is NOT waived for the first year.

But you’ll get:

  • American Airlines Admirals Club membership (worth up to $500) – access Admirals Club lounges, and bring your immediate family or up to 2 guests traveling with you.  You do NOT have to be flying American Airlines to enter the lounge!
  • Authorized users can also access Admirals Club lounges (without the primary cardholder)
  • Up to $100 Global Entry or TSA PreCheck application fee credit (every 5 years)
  • First checked bag free (for you and up to 8 companions traveling on the same reservation) on American Airlines domestic itineraries

It costs only 25,000 miles for a round-trip coach award in the US and 60,000 miles for a round-trip coach award to Europe, so the Citi AAdvantage Executive card can get you lots of Big Travel with Small Money!

Here’s my full review of the better offer!

7.   Bank of America Alaska Airlines Card

Link:   Bank of America Alaska Airlines Visa Signature® Card

With the Bank of America Alaska Airlines Visa Signature® Card, you’ll earn 30,000 Alaska Airlines miles and a $100 statement credit after spending $1,000 on purchases in the first 90 days of opening your account.

Alaska Airlines has a great variety of airline partners, like American Airlines, Icelandair, and Emirates.

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

Alaska Airlines Miles Can Take You Almost Anywhere Thanks To Their Great Partner Airlines

Check out my post on how to use Alaska Airlines miles!

8.   (Limited-Time) AMEX Mercedes-Benz Platinum Card

Link:   American Express Mercedes-Benz Platinum

Through June 22, 2016, you’ll earn 75,000 American Express Membership Rewards points after spending $3,000 within the first 3 months of opening the American Express Mercedes-Benz Platinum card.  (EXPIRED.)

Plus you’ll get a $200 yearly airline incidental fee credit on an airline you choose, and access to airport lounges like Delta, Priority Pass, and American Express Centurion Lounges.

And you can transfer AMEX Membership Rewards points to over 20 frequent traveler programs.

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

With 75,000 American Express Membership Rewards Points You Can Fly Round-Trip to Europe

The $475 annual fee is NOT waived the first year.   But it can make sense for folks who get use out of the yearly airline incidental fee credit and other perks.

Here’s my review of this card.

9.   Gold Delta SkyMiles® Credit Card from American Express

Link:   Gold Delta SkyMiles® Credit Card from American Express

I recently wrote about the increased limited-time offer for the Gold Delta SkyMiles® Credit Card, which we have an affiliate link for.

But there’s a way to get an even BETTER offer for this card which does NOT earn us a commission.  So I told you about it!

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

Use a Simple Method to Find the Better Offer

The offer is the same as the one I wrote about, except instead of a $50 statement credit when you make a Delta purchase in the first 3 months of opening your account, you can get a $100 credit.  The offer expires July 6, 2016.

To get the better bonus, go to Delta.com and make a test booking.  Go through the steps to book a flight.  And on the payment screen, you’ll see an advertisement for the Gold Delta American Express card.

I’ll gladly skip the commission from my affiliate link because Emily and I always want you to get the best available deal!

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.

Our Readers Come First Top 10 Cards That Don't Earn Us Commission

Stay at the the Stylish TRYP Times Square With Your Wyndham Points

The sign-up bonus on the premium version of the card with a $69 annual fee is currently 45,000 Wyndham points after meeting minimum spending requirements.

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!

Some Wyndham hotels even allow you to book suites at no additional charge!  My friend booked an ~$800 2-bedroom suite at the Ramada Downtown Dubai for the same rate of 15,000 points per night.

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.

Leave a Reply

Your email address will not be published. Required fields are marked *

2 responses to “Our Readers Come First! Top 10 Cards That Don’t Earn Us Commission

  1. You guys are the best!

  2. Thanks so much for this list. Very helpful.