Bank Points Cards

Disclosure:  Emily & I get a commission for links on the blog.  You don’t have to use our links, but we’re very grateful when you do.  We don’t write about all the credit cards available in the US, but only the ones which get us miles and points or cash back for Big Travel with Small Money!

I keep the information on this page updated, but please double check the credit card applications for details about terms and conditions of the offers.  Please let me know if you find a better offer so that I can list it here!

Jump to:   American Express  |  Bank of America  |  Barclays  |  Chase  |  Citi  |  US Bank


American Express Membership Rewards

American Express Mercedes-Benz Platinum – 50,000 Points

Daraius’ Tip:  My detailed review of the American Express Mercedes Benz credit card.

American Express Mercedes Benz Platinum

  • Earn 50,000 American Express Membership Reward points after spending $3,000 within the first 3 months on the American Express Mercedes Benz Platinum card
  • $475  annual fee NOT waived for 1st year; No foreign transaction fee
  • Membership Reward points transfer to Delta, British Airways, Air Canada’s Aeroplan and other hotels and airlines
  • Lounge access to Delta (worth $300 to $500)
  • $200 credit towards airline fees such as baggage charges, lounge membership, etc.
  • Earn 5 points per $1 spent at Mercedes Benz & 1 point per $1 elsewhere

Bank of America

Jump to:   American Express  |  Barclays  |  Chase  |  Citi  |  US Bank



Barclays

Jump to:   American Express  |  Bank of America  |  Chase  |  Citi  |  US Bank

Daraius’ Tip:   This is perhaps the best cash back card if you redeem for travel since you get 2.2% cash back for travel redemptions.  $89 annual fee waived the first year.

Daraius’ Tip:  No annual fee


Chase Ultimate Rewards

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Citi

Jump to:   American Express  |  Bank of America  |  Barclays  |  Chase  |  US Bank

 


US Bank

Jump to:   American Express  |  Bank of America  |  Barclays  |  Chase  |  Citi  | 

 

 

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Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

449 Responses to Bank Points Cards

  1. Hey, used a couple of your links today for App-O-Rama #7 as a thank you for having such a great resource here when I got started a couple years ago.

    But I’m very confused by your links on this page and its Hotel and Airline counterparts – Where are the links for the Chase Hyatt? The Chase Sapphire Preferrred? The Southwest cards? Some of the very best cards don’t seem to be anywhere.

  2. @Maria – I wouldn’t suggest a rewards card because they tend to be for folks with good credit and charge higher interest rates.

    @Judy Jones – Happy New Year to you too! Thanks so much for using our links.

    @Adam K – The Hyatt, Sapphire Preferred, and Southwest cards are all on the Hot Deals tab!

  3. Can the Barclays Arrival card points be used to buy tickets with Norwegian Airlines? Thanks.

  4. @BTM – I don’t have personal experience, but it should be considered a travel expense.

  5. I’m interested in applying for the Premier Rewards Gold Card from American Express.

    However, it says that you may not be eligible for the bonus if you have another Amex card, and I presently have the Blue Sky cash back card (which I never use).

    Do you know if this applies to the Blue Sky card? If I canceled that card, would I be eligible for the bonus? How long should I wait after canceling before applying?

  6. @Seth – You should be eligible since you don’t already have the Premier Rewards Gold card (or the Platinum card).

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  10. I currently have the Amex Plat – It will be due in February for the annual fee. If I cancel it and get a new card will the history of my credit with them be erased and a new card will start over in reference to credit age?

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  12. Say I sign up for a card that has 30,000 bonus miles after spending $1000 in 3 months. Then, in a week after signing up, I see airfare I want to book for a vacation, and I use said card. If I spend $1000 in airfare, can I use those miles credit towards that airfare purchase later on, or do I have to make $1000 worth of purchases AND THEN get the points, then book airfare to use the miles? Hope that makes sense!

  13. @ Erin E Your ‘spend’ miles/points should post after your stmt closes so you won’t be able to use new points until they post to your acct. Sorry.

  14. @Larry Wells – If you cancel the card, you lose the associated credit history with the card.

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  17. Last wk I was approved for a Barclay rewards world card with 0% interest rate for 18 mths and a $10,000 line of credit. Days later I am seeing the Barclays arrival MC with 40,000 miles after spending a certain amt. I would prefer this card because I travel a lot and would appreciate the miles. Is it too early to apply for the arrival card? My FICO score was 804 based on free report when I activated the card.

  18. @Mimi – I’d wait a bit and then reapply for the Arrival card.

  19. When you say wait a bit do you mean a month or 6 months

  20. @Mimi – Perhaps 4 to 6 months.

  21. Thank You. Will do.

  22. So I received an offer in the mail today for a Chase Sapphire Preferred card with a Bonus of 40,000 points and 5000 points for adding an additional customer. The only difference between this offer and others out there is the minimum spend. My offer is $2000 in the first 3 months. vs. $3000. I had one of these cards for a while in 2012/2013 but cancelled it, frankly because I didn’t like the stainless steel card and I got to many questions and refusals due to the card design, especially overseas. I wonder why they send me these offers because is says in the terms that the bonus is only for first-time card members. It also has this interesting statement in the terms ..”Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer or have received a similar bonus offer, may not be eligible for a second Chase credit card in the same Rewards Program, or for any bonus offer. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing.” Doesn’t this mean that I can never get this card again. Also, is it saying that “churners” who only get cards for the bonuses will be denied? Thoughts anyone?

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  24. I’m looking for a new Chase personal card as I’m about to cancel my United Explorer (annual fee coming due) and would like to transfer my credit line over. About a year ago, I converted my Chase Sapphire Preferred to a Freedom card and would like to get more Ultimate Rewards points. (I also owned and closed the Ink Bold and currently carry the Ink Plus.) Can I apply for and get the bonus for the Chase Sapphire Preferred a second time?

  25. @Aztexaz – You could try for a different Ink card or the United business card.

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  28. I am planning to apply for all Chase cards, two biz: ink bold, ink plus; and two personal: sapphire preferred, and united. How far should I space out the applications, e.g., 3 month? Are biz/personal cards tracked on different time frames or the same time frame? Thanks!

  29. @Nick – I’d do 1 business and 1 personal and then another set after at least 3 months.

  30. Hi Darius! If I already have an AMEX business gold rewards card, would I still be able to get the sign-up bonus for a personal (or maybe business) Platinum?

    Thanks!

  31. Thomas Hastings

    Hi, I applied for and am using a Chase Ink Plus business cards a few months ago, and now am looking for another Chase card I can use to gain Ultimate Rewards – my wife and I already both have Chase Saphhire, Sapphire Preferred, and Freedom cards. Can I apply for a Chase Ink Bold business card too? Thanks!

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  33. Hi:
    I just recently read the fine print for the Chase cards (ink business and united explorer) and I am concerned. I have recently reapplied for two of these cards, having cancelled the same cards about 9-12 months ago. The fine print states that the bonus points will only be given for first time card holders. Does that mean that once I accumulate the required spending (either $5,000 or $2000) I won’t be eligible for the bonus (since I did get a bonus in prior months)?
    Does it mean that I should NEVER reapply for the same cards expecting to get the bonus again?
    Please respond ASAP!

  34. @Neil – It should be possible for the business Platinum, but read the terms to make sure.

    @Thomas Hastings – You can have both the Chase Ink Plus and Ink Bold at the same time.

    @ Shaine – You usually can’t get the sign-up bonus again for a few years, if you’ve had the card previously.

  35. Evelyn Mayblum

    Hi again:
    We are using the guidance you gave us and for which we sent a thank you. Beyond Belief: 205,000 miles via aeroplan for flying Business to Prague and back to Florida from Budapest. Wow. Well, right now having got all our miles consoldiated into either Chase Prefered and Amex Platinum we would like to know how best to move forward. We do not mind spending to get miles. Right now LUfthansa has 40 or 50 bonus for getting a card. That would be cool, but we do not understand how miles and more works. When we want to take a trip, is there a place miles and more that consolidates your points from Chase, Lufthansa etc so that we can do what we did with Aeroplan. They used mainly and maybe only our Amex Platinum. We want to save up for a 2015 round trip from Fl and NY to Tel Aviv…for 7 people so we we need quite a lot of mileage. Any suggestions? For ages 76 and 81 we are pretty good at this, but far from accomplished. Thanks so much for your invaluable support.

  36. @Evelyn Mayblum – Thanks for sharing! You usually can’t consolidate miles from 1 card to another. Getting 7 award seats on the same flight is going to be extremely tough! You could break it up and have some folks fly using Lufthansa miles (note that there will be high fuel surcharges).

  37. I’ve accumulated over 50,000 American Express Rewards points which i believe can be used for travel on the American Express travel website. Do you know these points can be transferred to any airline or hotel rewards program which may give me more points. Thank you for your assistance..

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  39. just received my Barclay card and signed up for their free FICO score. any idea how accurate those FICO scores are ? thanks.

  40. @Jay T – FICO scores are the official scores!

  41. Just a tip on the upgraded Barclays Arrival Plus card — I see now that when you choose to redeem points for a statement credit, if you select a charge that is less than your total points, the system offers to redeem all your points, not just in $25 increments.
    Example: let’s say you have 9,000 points, and choose to redeem points against a travel charge of $81. The system will pop up a table of redemptions of $25, $50 and $75, as well as $81 (for 8100 pts). You end up holding fewer points than if you had just redeemed say $75. Nice!

  42. @scott – That’s a great new addition!

  43. PS As an addendum to my comment about being able to redeem points in other than multiples of $25 — it’s best to keep close to 2500 pts available, since that is the minimum redemption. This is especially important if you are about to close the account. Eg if your last redemption left you with 1000 pt, you’d need to earn an additional 1500 pts for the next redemption — and if it’s close to when you’d be closing the account, that might not happen in time.
    Just a thought.

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  45. I have the Barclays Arrival Plus card for almost one year. I plan on keeping it, as I understand you can use points (at the travel redemption rate) to pay the annual fee. Would I be able to apply for the “regular” Arrival card and receive the bonus?
    Thank you !!!

  46. @Kathleen – No personal experience, but I don’t see why not!

  47. So the “American Express Mercedes-Benz Platinum – 50,000 Points” has the global entry fee reimbursement of $100 and the $200 airline credit right? Because when I look at the landing page and I didn’t see those mentioned. I want to confirm before I charge the global entry fee.

  48. Hi. I’m ready to signup for the Chase Sapphire. I need to receive my bonus points/miles ASAP. If I spend the required $3k before the 1st statement is issued do you know if I’ll receive my bonus points at the time the 1st statement is sent? Thanks.

    Gary

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