Credit Cards

Don’t forget your April American Express statement credits

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May American Express Statement credits

Every month certain Amex cards have credits that expire, and if you’re like me, a reminder is helpful so you don’t waste them. Each month, I send out a little reminder so you don’t forget to use them!

Cards in this post:

In addition to monthly credits, don’t forget all the semi-annual credits across multiple cards – those semi annual credits reset in January and July.  Several hundred dollars of new credits just renewed!

Here’s a quick little guide to make sure you are aware of all the Amex statement credits you can use.

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American Express Transfer Partners

The Platinum Card® from American Express

Every month The Platinum Card® from American Express has an Uber cash credit (enrollment required) of up to $15 except for December which is up to $35!

Amex Platinum also comes with a litany annual credits. The list is very long and note that these are all paid as statement credits and are “up to” the amount listed…meaning if you don’t use the full credit, you don’t get the full statement credit. All of these need enrollment in order to trigger.

For instance, in the past, I’ve used the annual $200 hotel credit on single night stays via Fine Hotels and Resorts. In 2021, I stayed at the Rosewood in Vancouver – gorgeous property. In 2022 I used one at the Hermitage in Nashville and my wife used her credit at the Conrad Nashville, this year I used mine at The Joseph in Nashville ( can you tell we go to Nashville a lot lol ). All of them are stunning properties.

I’d also point out that you can use your annual Digital credit on Hulu and add on HBO Max, Showtime, etc and effectively fold those into your credit. Additionally, WalMart+ comes with Paramount+

*learn how you can combine Uber credits from multiple accounts

  • Up to $200 Hotel credit
    • You must pre-book via Amex FHR or The Hotel Collection, which requires a two night minimum stay, via Amex Travel
    • Annual statement Credit
  • Up to $100 Saks Fifth Avenue Credit (enrollment required)
    • One Up to $50 statement credit from January to June,
    • One Up to $50 statement credit from July through December
  • Up to $200 Uber Cash yearly credit valid US only (enrollment required )
    • Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • Up to $240 Digital Entertainment Credit (enrollment required )
    • Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal.
  • Up to $300 Equinox yearly credit (enrollment required )
    • Annual Statement Credit
    • Up to $25 per month towards Equinox Digitial Fitness App or eligible Equinox club membership dues with an Amex Platinum
  • Up to $189 CLEAR® Plus Credit (enrollment required )
    • Annual Credit statement
  • Up to $200 airline incidental credit (enrollment required )
    • Annual credit statement
  • Up to $100 global entry or $85 TSA Pre credit (enrollment required )
    • Statement credit every 4 years for Global entry or statement credit every 4.5 years for TSA PreCheck
  • Up to $12.95 + tax / month Walmart+ membership
    • Walmart+ members receive unlimited free shipping with no order minimum on items shipped by Walmart.com, free delivery from stores, as well as mobile and contactless check-out to make shopping faster.
    • It now comes with Paramount+
  • Up to $25 Soul Cycle monthly credit
    • Platinum Card Members will receive a $300 statement credit every time they purchase a SoulCycle At-Home Bike, up to 15x per calendar year.
    • An Equinox+ membership is required to purchase a SoulCycle at-home bike and access SoulCycle content.
    • Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only.
  • *Rates and Fees; terms apply
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Via Resy: 100k after $8k spend in 6 months + 10x Dining (up to $25k max in 6 months)

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

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Reader Referral: 175k after $8k in 6 months

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy

The Platinum Card® from American Express

4.7
4.7/5

The Platinum Card® from American Express is a heavy hitter, and not just because it’s made of metal.

This is a card I carry and is jam packed with benefits including lounge access, VIP travel benefits, and a ton of statement credits.

Welcome Offer

Two offers listed

Points Earned

Transferrable American Express Membership Rewards

 

A card we carry and love. The Platinum Card® from American Express is chock full of benefits

You’ll also have access to Priority Pass lounges (enrollment required), Amex’s own uber lux Centurion Clubs, earn 5x points on airfare purchased directly with the airlines or Amex Travel, access to Amex’s own Fine Hotels and Resorts program for upgrades, breakfast, and credits, earn $15 a month in Uber credits (enrollment required), and their Membership Rewards are some of the best points you can possibly earn.

I love using their points to transfer to programs like Aeroplan, Singapore Airlines, Air France, Emirates, Avianca, Qantas, and many, many more.

  • $695 annual fee *Rates and Fees; terms apply
  • Up to $200 Hotel credit
    • You must pre-book via Amex FHR or The Hotel Collection, which requires a two night minimum stay, via Amex Travel
  • Up to $200 Uber Cash yearly credit valid US only (enrollment required )
    • Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • Up to $240 Digital Entertainment Credit (enrollment required )
    • Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal.
  • Up to $189 CLEAR® Plus Credit (enrollment required )
  •  Up to $200 airline incidental credit (enrollment required )
  •  Up to $100 global entry or $85 TSA Pre credit (enrollment required )
  • Up to $12.95 + tax / month Walmart+ membership
    • Walmart+ members receive unlimited free shipping with no order minimum on items shipped by Walmart.com, free delivery from stores, as well as mobile and contactless check-out to make shopping faster.
  • Centurion lounge access
  • Priority Pass select membership (enrollment required )
  • Rental Car Status
    • Hertz President’s Circle
    • Avis Preferred Plus
    • National Executive
  • Access to American Express Fine Hotels and Resorts, The Hotel Collection
  • 5x on airfare purchased via Amex Travel or with your selected airline
  • *Rates and Fees; terms apply

150k after $6k spend in 6 months along with 15x worldwide dining ( up to $25k ) was the best we ever have seen publicly through Resy. However, the 150k referral without the dining is pretty hard to beat imo.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

American Express® Gold Card

Every single month the American Express® Gold Card has a dining credit of $10, this month is no different. I’ve had success in the past buying gift cards to use in the future, but the only catch is using them at valid places: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. The other catch is making sure you’re enrolled.

In February, Amex Gold received a new Uber Cash credit of $10 a month. If you hold both AmEx Platinum and Gold these can stack to earn you $25 a month. Enrollment is required – learn how to do that here

  • Up to $10 at restaurants listed above (enrollment required)
    • Statement credit Per month
  •  Up to $10 Uber Cash (enrollment required)
    •  Statement credit Per month
  • *Rates and Fees; terms apply
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Reader Referral Link: up to 90k after $4k spend in 6 months + 20% back on dining ( $50 max )  

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy

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Resy Link 75k after $6k in 6 months + up to $250 dining credit

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

American Express® Gold Card

4.8
4.8/5

This is point earning powerhouse. American Express® Gold Card Earns 4x on dining and U.S. Supermarkets ( up to $25k, then 1x ) making it one of the best for those categories on the market. 

I’ve had this card since 2018 and it gets a ton of swipes 

Welcome Offer

Up to 90k after $4k spend in 6 months + 20% back on dining ( $50 max )

Annual Fee

$250 *Rates and Fees; terms apply

 

Points Earned

Transferrable American Express Membership Rewards 

American Express revamped their Gold card in 2018 and we named it THE MOST compelling card of the year

I’d argue it’s still one the most compelling card in 2023 as well. Earning 4x points on restaurants, 4x on U.S. supermarkets ( up to $25k, then 1x ), 3x points on airfare purchased via Amex Travel and directly with airlines, 

up to $10 monthly dining credit at select restaurants (enrollment required), up to $10 monthly credit on Uber/Uber Eats (enrollment required), let’s just say my Amex Gold card gets a ton of swipes every month. 

The Amex Gold card also earns Membership Rewards and I love using their points to transfer to programs like Aeroplan, Singapore Airlines, Air France, Emirates, Avianca, Qantas, and many, many more to access those super fancy cabins everyone loves. This is one of the absolute workhorses of my wallet.

  • Annual Fee is $250 *Rates and Fees; terms apply
  • 4x points at restaurants
  • 4x points at U.S. supermarkets ( up to $25k a year, then 1x )
  • 3x points on flights purchased directly with the airline or Amex Travel
  • up to $10 per month Uber Cash credit valid in US only (enrollment required)
  • up to $120 Dining Credit at select restaurants (enrollment required)
    •  Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. 
  • No Foreign Transaction Fees
  • 1x everywhere else
  • Access to The Hotel Collection
  • *Rates and Fees; terms apply

 The best ever public has been 90k after $4k spend in 6 months + the $250 dining credit ( this was on Resy ); however, some people have gotten targeted 100k offers, but those are extremely rare.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

 

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express offers a $400 annual Dell credit (enrollment required) which is split into 2 separate, semi-annual $200 credits and those just refreshed in January.

The second semi annual credit is active and don’t forget to see if you qualify for the Dell Amex Offer – 10% back on up to $1500.

There is also an annual $200 Airline Incidental Credit (enrollment required, terms apply) which is active – if you’d like to change your airline you may be able to still do so, although technically these are supposed to be amended by end of January. Also note that multiple 5x categories have been added for certain cardholders.

  • Up to $200 Dell credit refreshed for July to Dec ( enrollment required )
  • Up to $200 Airline Incidental Credit has refreshed. (enrollment required, terms apply)
    • Annual
  • Up to $10 monthly mobile phone credit (enrollment required, terms apply)
  • Up to $189 CLEAR® Plus Credit (enrollment required, terms apply)
    • Annual statement credit
  • Up to $360 Indeed credit ( enrollment required )
    •  get $90 per quarter, Up to $360 annual statement credit
    • on all Indeed hiring and recruiting products and services
  • Up to $150 Adobe credit ( enrollment required )
    • : $150 annual statement credit on select purchases,
    • Adobe Creative Cloud, creative apps and services, and Acrobat Pro DC with e-sign.
  • *Rates and Fees; terms apply
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200k Refer a Friend link

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

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Up to 300k Targeted Offer

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

The Business Platinum Card® from American Express

4.8
4.8/5

If you’re looking for loads of benefits WHEN you travel, that comes with an extensive list of statement credits and benefits like lounge access, hotel elite status, and 35% back ( up to 1 million ) when you redeem points on your select airline and premium air travel via Amex Travel this is worth a close look.

Welcome Offer

See Breakdown  

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Points Earned

Transferrable Membership Rewards

 

The annual fee on the American Business Platinum Card® is quite steep so you want to make sure you take a look at the benefits/credits and confirm you’ll use them every year. 

I’ve found that I earn more points from the American Express® Business Gold , but I’m able to take advantage of  a lot of statement credits, lounge access, and 35% points back on premium air travel booked via the Amex Travel Portal…effectively 1.54 cents per point.

I take advantage of this perk when it requires fewer points than transferring thus reducing the amount of points spent when booking.

Refer a Friend Offer – Up to 200k Membership Rewards®

200k Referral offer – see referral page here

  • 200k points after $20k spend in 3 months

 Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Some people have had success getting up to a 300k offer by clicking the sponsored link on Google ( this is very hit or miss ) – read about that here

  • Earn 1.5X points on the following – capped at $2million in purchases per calendar year
    • eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers.
    • Purchases $5,000 or more everywhere else
  • Up to $189 Annual Clear Plus credit (enrollment required )
    • subject to auto renewal
  • Up to $200 annual airline incidental fee reimbursement (enrollment required )
  • up to $120 Annual Wireless Credit ( enrollment required )
    • Up to $10 per month wireless credit,
    • Must make payments directly to any US Wireless provider
  • Global Entry fee reimbursement – worth up to  $100 (enrollment required )
    • Every 4 years
  • Priority Pass Select membership  (enrollment required )
  • Cell Phone Insurance
    • $800 per claim, 2x per 12 month period
    • $50 deductible per approved claim
  • Delta Sky Club lounge access – when flying on Delta
  • Centurion Lounge access – network expanding and very worthwhile
    • I do love these clubs! Check out SFO, MIAMI
  • Access to Fine Hotels and Resorts
    1. Amazing benefits such as free breakfast, resort credits, room upgrades, early check in, late check out, etc
      • Using Amex FHR has earned me $100s per stay each time I use it.
  • Over 20 transfer partners: like Singapore Air, Air Canada, Air France, British Airways
  • Marriott Gold status (enrollment required )
  • Hilton Honors Gold status (enrollment required )
  • The Hotel selection
    1. slightly different than Fine Hotels and Resorts, but provides great benefits, credits, and upgrades
  • 5x points on flights booked through Amex Travel
  • Access to International Airlines Program rates for select premium cabin flights originating in the USA
  • Up to $400 Annual Dell credit ( enrollment required )
    • This is split into 2, $200 credits, applied every 6 months: Jan to June and July to Dec
  • Up to $360 Indeed credit ( enrollment required )
    •  get $90 per quarter, Up to $360 annual statement credit
    • on all Indeed hiring and recruiting products and services
  • Up to $150 Adobe credit ( enrollment required )
    • : $150 annual statement credit on select purchases,
    • Adobe Creative Cloud, creative apps and services, and Acrobat Pro DC with e-sign.
  • Annual fee $695 *Rates and Fees; terms apply

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

American Express® Green Card

American Express® Green Card is a Chase Sapphire Reserve killer in my opinion, and has 2 annual statement credits for Clear and Lounge Buddy that have both expire year end. Enrollment is required.

  • Up to $100 CLEAR® Plus credit (enrollment required)
    • annual statement credit
  • Up to $100 Lounge Buddy credits. (enrollment required)
    • annual statement
  • *Rates and Fees; terms apply
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Non- Affiliate Link

 Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

American Express® Green Card

4.8
4.8/5

The American Express®  Green Card is an absolute sleeper. It earns 3x on travel, transit, restaurants worldwide, $189 Clear Plus credit, $100 Lounge Buddy credit, and currently has an all time best ever offer…annual fee is $150. 

Welcome Offer

40k Membership Rewards(R) after $3k spend in 6 months 

*Rates and Fees; terms apply

Annual Fee

$150  *Rates and Fees; terms apply

Points Earned

Transferrable Membership Rewards

 

A lot of people overlook the Amex Green card as it falls in the shadow of its premium siblings the Amex Gold and Amex Platinum. But this is a bad mammajamma earning 3x on travel, transit, dining, and has a very liberal interpretation of travel compared to other Amex cards.

Travel with the Amex Green card is defined as the following:

  • Flights
  • Hotels
  • Tours
  • Vacation Rentals
  • Rideshares like Uber and Lyft
  • Busses
  • Taxi
  • Subways and Metros
  • Tolls
  • Earn 40,000 Membership Rewards(R) Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 3X Membership Rewards(R)
    • points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
    • transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
    • eligible purchases at restaurants worldwide, including takeout and delivery in the US.
  • Up to $189 CLEAR Plus Credit:
    • Receive up to $189 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express(R) Green Card.
  • Up to $100 LoungeBuddy
    • Purchase lounge access through the LoungeBuddy app using the American Express(R) Green Card and receive up to $100 in statement credits annually.
  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express(R) Green Card there are no foreign transaction fees.
  • $150 annual fee.
  • *Rates and Fees; terms apply

60k Membership Rewards + 20% back on travel and transit, up to $200, after $3k spend in the the first 6 months is best ever

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

American Express® Business Gold Card

In October of 2023, American Express added statement credits to their Business Gold card shown below. Personally, I’ll use my credit at Grubhub or Office Supply stores.

  • Earn up to $20 in statement credits monthly for eligible U.S. purchases at
    • FedEx
    • Grubhub
    • Office Supply Stores
    • Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership
    • (subject to auto-renewal) with your Business Gold Card.
    • $12.95 plus applicable taxes.
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Reader Referral link

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

American Express® Business Gold Card

4.8
4.8/5

Earn 4x Membership Rewards on the top 2 monthly categories where you spend the most – this is why I keep the card in my wallet. Check the card benefits for more details

Welcome Offer

Referrals vary: Up to 130k Membership Rewards after $10k in 3 months

Points Earned

Transferrable Membership Rewards

 

The American Express® Business Gold is a Membership Rewards earning machine with its 4x category bonuses.

I use this card to buy gas when on business trips, purchase online advertising to help Monkey Miles grow, and occasionally I’ll even purchase airline tickets direct from the airline. 

You can get up to $20 per month as a statement credit at FedEx, GrubHub, or Office Supply Stores and I typically use this up with GrubHub…that’s $240 of the annual fee recouped right there.

  • 4x on 2 of the following categories where you spend most in a month
    • U.S. purchases for advertising in select media (online, TV, radio)
    • U.S. purchases made directly electronic goods retailers and software & cloud systems providers
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Transit purchases
      • including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • Capped at $150k total on combined categories
  • Earn up to $20 in statement credits monthly for eligible U.S. purchases at
    • FedEx
    • Grubhub
    • Office Supply Stores
    • Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card.
    • **Up to $12.95 plus applicable taxes on one membership fee
  • $375 annual fee (Rates and Fees).

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Hilton Honors American Express Aspire Card

The Hilton Honors American Express Aspire Card is one heavy hitting hotel card from Amex and comes with a $250 resort credit.

  • Up to $400 resort credit
    • ( not good on prepaid rates)
    • Semi Annual – $200 January to June another $200 July to December
  • Up to $189 Clear® Plus Credit
  • Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card
  • Keep an eye out for your Free Weekend Night to repopulate after you account renewal
  • *Rates and Fees; terms apply
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Non affiliate link

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Hilton Honors American Express Aspire Card

4.5
4.5/5

Hilton Honors Diamond status, annual night anywhere in the world, $400 Hilton resort credit, $200 airline credit, Priority Pass select… this is one bad mamma jamma of a card

Welcome Offer

160k Hilton Honors after $6k spend in 6 months + Free Night Certificate

Annual Fee

$550 *Rates and Fees; terms apply

Points Earned

Hilton Honors

This is hands down the best hotel card available. 

Not only do you get top tier Hilton Honors Diamond status, but you get an free night certificate that you can use anywhere in the world, $200 Hilton Resort credit Jan through June and another July through Dec, $200 airline credit broken into $50 quarterly credits, and the list goes on. 

If you’re at all thinking of staying at International Hilton properties, get this card ahead of time to enjoy the executive lounge access and free breakfast that comes along with Diamond Status.

This is a card we’ve had since it debuted and we get a lot from the annual night cert and top tier status to recoup the $550 annual fee.

  • Free night certificate after hitting minimum spend + on your account anniversary every year
  • Diamond status, top tier, as long as you maintain the card
  • Up to $400 resort credit
    • ( not good on prepaid rates)
    • Semi Annual – $200 January to June another $200 July to December
  • Up to $189 Clear® Plus Credit
  • Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card
  • Book a 2 night minimum stay at hiltonhonorsaspirecard.com and get up to $100 in credits for qualifying charges at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts
  • Priority Pass select
  • 14x points at Hilton Hotels
  • 7x points
    • U.S. restaurants,
    • airfare booked directly with the airline/Amex travel, select car rental agencies
  • $550 *Rates and Fees; terms apply

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card  flagship, premium, Marriott branded card from Amex comes with a free night certificate and, starting September 22nd, 2022 a $25 monthly dining credit

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Non – Affiliate Link ( Reader Referal )

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Marriott Bonvoy Brilliant®  American Express®  Card

4.0
4/5

This card comes with Marriott Platinum Status, 25 elite night credits, $25 a month dining credit, an 85k Marriott Anniversary Free night award, Priority Pass, and more

Welcome Offer

Earn 95k Marriott Bonvoy Bonus Points after $6k in 6 months

Points Earned

Marriott Bonvoy

Marriott life begins at Platinum status where you get executive lounge access and breakfast at most properties. This card unlocks that status just having it in your wallet.

Is it worth $650? That’s a lot, but if you’re planning Marriott stays, value breakfast/lounge access, it definitely could worth it. Just remember that Ritz Carlton doesn’t honor those benefits…

Get up to $25 monthly dining credit is worth setting a calendar alert, even it it just means loading your Starbucks account.

Another thing to note is that the Platinum status that comes with this card doesn’t include the Choice benefits extended at 50 nights. One of those is suite night upgrades, but you’ll start the year with 25 elite nights as a perk, so you’re half way there. 

  • $300 Brilliant Dining Credit:
    • Each calendar year, get up to $300 in statement credits (up to $25 per month) for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide.
  • Marriott Bonvoy Platinum Elite status
    • Marriott Platinum Status is where life truly begins with Marriott because you’ll gain access to club lounges, free breakfast, upgrades, etc. Note there are some properties that won’t guarantee some of those benefits like Ritz Carlton, Edition, Bvlgari, but they are widely honored.
  • 25 Elite Night Credits
    • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • $650 Annual Fee
  • Marriott Brilliant 85k Free Night Award
    • Receive 1 Free Night Award every year after your Card renewal month.
    • Valid on redemption levels up to 85k Marriott Bonvoy Points ( however you can add 15k Marriott Bonvoy Points to it 
    • Certain hotels have resort fees.
  • Earn Rates
    • 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy(R).
    • 3X points at restaurants worldwide and on flights booked directly with airlines.
    • 2X points on all other eligible purchases.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant(R) American Express(R) Card, you will be eligible to select an Earned Choice Award benefit.
    • You can only earn one Earned Choice Award per calendar year.
    • See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit:
    • Receive up to a $100 property credit for qualifying charges
      • The Ritz-Carlton(R) or St. Regis(R) when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck(R):
    • Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck(R) (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant(R) American Express(R) Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Enroll in Priority Pass(TM) Select,
    • Unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location
  • No Foreign Transaction Fees on international purchases.
  • Cell Phone Protection
    • $800 per claim
    • $50 deductible
    • damage or theft ( like a cracked screen ) 
    • cell phone line must be listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account.
    • Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • rates and fees;terms apply
  •  

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Delta SkyMiles® Gold American Express Card

The biggest statement credit to keep an eye on with this card is the annual Delta Stays credit where you can get $100 back if you book a stay via Delta.com. These are available on prepaid stays ( however some bookings can be made as refundable so beware ) – so if you have this card I’d keep an eye on those prices as you could get an easy statement credit on your stay…just keep in mind you won’t be earning any elite credits, etc.

  • Annual Benefit
    • $100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
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Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accurac

Delta SkyMiles® Gold American Express Card

3.7
3.7/5

If you’re looking to get perks on Delta like a free checked bag, or 15% off Delta award tickets this is the entry level Delta Amex cobrand card.

Welcome Offer

40k Delta SkyMiles after $2k spend in 6 months

Annual Fee

$0 first year then $150 *Rates and Fees; terms apply

Points Earned

Delta SkyMiles

 

This card is for the Delta customer who flies a few times a year with a checked bag, but doesn’t hit elite status. You could easily recoup those fees with this card and enjoy 15% award flights on Delta. Make sure you look at the Amex Application Rules here 

  • Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. 
    • Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
    • Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person.
    • For a family of four that’s a potential savings of up to $240 per round-trip flight.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Terms Apply.
  • Rates & Fees

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Delta SkyMiles® Platinum American Express Card

The Delta coupon books begin with the Delta SkyMiles® Platinum Amex with Resy and Rideshare credits applying every month and a $150 annual Delta Stays credit. If you can take advantage of all these credits you’d be racking up $390 every year without taking into consideration the companion certificate.

  • Monthly Credits
    • $120 Resy Credit:
      • With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
    • $120 Rideshare Credit:
      • You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
  • Annual Credit
    • $150 Delta Stays Credit:
      • Delta SkyMiles® Platinum American Express Card Members can earn up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com.
    • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card.
      • The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments).
      • Baggage charges and other restrictions apply. See terms and conditions for details.
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Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Delta SkyMiles® Platinum American Express Card

3.7
3.7/5

If you’re a Delta loyalist looking to earn some MQMs for status, want an annual domestic main cabin companion certificate, free first checked bag, and 15% off award flights.

Welcome Offer

50k Delta SkyMiles after $3k spend in 6 months

Points Earned

Delta SkyMiles

 

There are a few ways I can see keeping this card in your wallet if you’re a Delta loyalist that can recoup the $350 annual fee. Make sure you look at the Amex Application Rules here 

  • You take advantage of the domestic main cabin companion certificate for flights that price over $350
  • You can make use of the new statement credits that went into effect 2/1/24
  • You don’t have status that wavies bag fees, but fly enough with checked bags to recoup a few first checked bag fees a year 
  • You’re sitting on a lot of Delta miles and the 15% savings comes in handy when redeeming Delta award tickets
  • Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
    • The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app.
    • Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
  • $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit,
    • earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit:
    • You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Main Cabin 1 Priority Boarding on Delta flights
  • Fee Credit for Global Entry or TSA PreCheck®:
    • Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider.
    • If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list,
    • after Delta SkyMiles Medallion Members and Reserve Card Members.
  • No Foreign Transaction Fees.
  • $350 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Delta SkyMiles® Reserve American Express Card

Similar to the Platinum version, if you can make use of all these credits, you can effectively wipe away the annual fee and be net ahead alongside Delta Skyclub access and a free companion ticket.

  • Monthly Credits
    • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card
      • Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
    • $120 Rideshare Credit:
      • You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Annual Credits
    • $200 Delta Stays Statement Credit:
      • Delta SkyMiles® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
    • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card.
      • The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
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Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Delta SkyMiles® Reserve American Express Card

3.7
3.7/5

The biggest reason to get this, aside from SkyClub access which you can get from the Amex Platinum, is the potential MQM boost via spend + the domestic companion certificate that includes domestic 1st class. 

Welcome Offer

60k Delta SkyMiles after $5k spend in 6 months

Points Earned

Delta SkyMiles

I think most people are attracted to this card because of the SkyClub access when traveling on Delta and access will change come 2/1/25. Make sure you look at the Amex Application Rules here 

However, you can get that via the Amex Platinum card which I’d argue is a much better card dollar for dollar.

The biggest reason I’d take a closer look at this card is 

You purchase at least 2 first class tickets every year for more than $650 a piece. This card comes with a domestic companion certificate that you can use on first class. You’d still need to pay taxes on that extra ticket, but that could pretty easily recoup the annual fee right there.

  • Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve American Express Card design
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta.
    • Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
    • The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit,
    • earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit:
    • You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app.
    • Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Delta SkyMiles® Gold Business American Express Card

In addition to getting free bags, if you can utilize the Delta stays credit, you can effectively get statement credits that outweigh you annual fee. Keep an eye on the terms and conditions because the hotel/vacation rentals need to be prepaid. There are refundable bookings you can also book via Delta Stays, but I

  • Annual Benefit
    • $150 annual statement credit of up to $150
      • Use Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
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Delta SkyMiles® Gold Business American Express Card

3.7
3.7/5

Enjoy a free first check bag + 15% off award flights operated by Delta.

Welcome Offer

Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership

Annual Fee

$0 first year; $150 after that *Rates and Fees; terms apply

Points Earned

Delta SkyMiles

If you utilize the free first checked bag + 15% off award flights enough you could offset the ongoing annual fee. 

  • $0 introductory annual fee for the first year, then $150
  • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
  • First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
  • $150 annual statement credit of up to $150
    • Use Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Delta SkyMiles® Platinum Business American Express Card

Much like the personal version of this card, if you’re able to take advantage of all the credits you’ll not only get statement credits in excess of the annual fee, you’ll also get an annual companion ticket after account renewal.

  • Monthly Benefit
    • $120 Resy Credit
      • earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
    • Rideshare Statement Credit
      • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Annual Benefit
    • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card.
      • The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
    • Up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
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Delta SkyMiles® Platinum Business American Express Card

3.8
3.8/5

Free first checked bag, 15% off award flights, an annual domestic main cabin companion certificate, and a pathway to earn MQMs are the primary reasons to take a closer look at this card. 

Welcome Offer

Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Points Earned

Delta SkyMiles

The main focus of supporting cards is to yield benefits on hotels and airlines you frequent the most or prefer. 

If you’re taking a Delta flight with someone once a year, you could probably offset the annual fee with the main cabin companion certificate. Add in some checked bags, 15% off award flights, and there is a pathway to extracting more value than the annual fee.

Honestly, after the recent Delta program changes, this card is hard to justify paying the annual fee on an ongoing basis

  • Limited Time Offer:
    • Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership.
    • Offer Ends 3/27/24.
  • Annual Fee: $350
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card.
    • The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $120 Resy Credit
    • earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Rideshare Statement Credoit
    • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
    • Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
  • First checked bag free along with Main Cabin 1 Priority Boarding on Delta flights
  • Annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • *Rates and Fees; terms apply

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Delta SkyMiles® Reserve Business American Express Card

The biggest reason Delta loyalists would want either the business or personal SkyMiles Reserve card is Delta SkyClub access so if you can make use of the Resy and Rideshare credits you’re getting a ton of the annual fee back in statement credits. Add in the companion first class ticket you get on an annual basis (  on account anniversary ) and you’re doing a great job at offsetting a high annual fee.

  • Monthly Credits
    • $240 Resy Credit,
      • earn up to $20 per month on eligible Resy purchases using your enrolled Card.
    • Up to $10 back Rideshare Credit
      • each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Annual Credit
    • Delta Stays statement credit of up to $250
      •  after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
    • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
      • The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
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Delta SkyMiles® Reserve Business American Express Card

3.7
3.7/5

If you’re looking for a card that delivers club access, a domestic first class companion fare on renewal, the ability to earn a lot of MQMs, 15% off Delta award tickets, and more…this could be it.

Welcome Offer

Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership

Points Earned

Delta SkyMiles

Most people give this card a second look because of the Delta SkyClub + Centurion Lounge access when flying Delta. Personally, at this price point, the The Platinum Card® from American Express is a harder hitting card dollar for dollar even though the annual fee is more…you get more.

Where this card can actually make sense is in the free domestic roundtrip on account renewal. These are good for first class tickets, so if you’re taking at least one trip a year where you’d either want to, or normally, pay for 2 first class domestic flights, you could recoup the fee pretty easily.

Add in the 15% off Delta award flights, priority boarding, free first checked bag, etc and you’ll be ahead on the annual fee.

  • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve Business American Express Card design.
  • Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card. Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
  • See Rates & Fees

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

To see the rates and fees for the American Express cards featured, please visit the following links: American Express Platinum Card: See Rates and Fees; American Express Business Platinum: See Rates and Fees; American Express Gold Card: See Rates and Fees; American Express Green Card: See Rates and Fees  American Express Marriott Bonvoy Brilliant: See Rates and Fees; Delta SkyMiles® Gold American Express Card See Rates and Fees; Delta SkyMiles® Platinum American Express Card See Rates and Fees; Delta SkyMiles® Reserve American Express Card See Rates and Fees; Delta SkyMiles® Gold Business American Express Card See Rates and Fees; Delta SkyMiles® Platinum Business American Express Card See Rates and Fees Delta SkyMiles® Reserve Business American Express Card See Rates and Fees

 

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Chase Sapphire Preferred® Card


4.8
4.8/5
The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

75k Ultimate Rewards after $4k spend in 3 months

*you may find an elevated offer walking into a branch – see below

Annual Fee

$95

Points Earned

Transferrable Chase Ultimate Rewards

  • 75k Ultimate Rewards after $4k spend in 3 months
    • Worth $937.50 in Chase Travel℠ and way more if you maximize transfer partners
    • Some people have seen Chase branches offering the following:
      • 75k Ultimate Rewards After $4k spend in 3 months + 10k Ultimate Rewards after $6k in 6 months 
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below 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.

50 Comments

  • Nick I February 23, 2024

    Amex Gold is the go to everyday spend card for Dining and Grocery. Love this card combined with the Venture X for everything outside of those categories.

    Here’s a referral link for the Amex Gold Card: https://americanexpress.com/en-us/referral/NICHOI4Shp?XL=MIMNS

    Thank you to anyone who uses it!

  • Samantha January 17, 2024

    Amex Gold 90k MR Points! Thank you in advance if you use my link!
    https://americanexpress.com/en-us/referral/SAMANBy7Ob?XL=MIMNS

  • David December 21, 2023
  • Rigo April 15, 2023

    No annual fee and 2x rewards on everything with the American Express Blue Plus
    https://americanexpress.com/en-us/referral/RODrIrOA0O?XLINK=MYCP

  • Anthony Fiedler March 6, 2023

    For the Amex Plat – link had it at 80k points.

  • William February 8, 2023

    American Express Green Card: Earn 45K points after spending $2000 in the first 6 months.

    https://americanexpress.com/en-us/referral/WILLIN6lxZ?XLINK=MYCP

    Good Luck! Thank You!

  • Victoria February 8, 2023

    American Express Gold Card: Earn 90K points after spending $4000 in the first 6 months.

    https://americanexpress.com/en-us/referral/VICTOS7ZSE?XLINK=MYCP

    Thank You So Much! Good Luck!

  • Jesse February 8, 2023

    American Express Platinum Card: Earn 150K points after spending $6000 in the first 6 months.

    https://americanexpress.com/en-us/referral/JESSEWrUQK?XL=MIACP

    Best of Luck! Thank You!

  • Paige Siegel January 25, 2023
  • Eden January 9, 2023

    You can use my referral link for 90k sign up bonus for the gold card!! (Don’t forget to copy the link and paste it into an incognito window in order to see the higher bonus, for some reason it doesn’t work on regular chrome)

    https://americanexpress.com/en-us/referral/EDeNeJZJ3?xl=cp15

    Thanks!!!!

  • John December 27, 2022

    If you are looking to sign up for an Amex Platinum use my referral link!!!
    100k Amex Platinum referral offer
    https://americanexpress.com/en-us/referral/JOHNBZPvv?XL=MIACP

  • Em jay September 19, 2022

    How’d you forget about Bonvoy Brillant $25 restaurant credit? Starts 9/22

  • Johnny September 19, 2022

    Business platinum also has $10 per month cellular credit.

  • Paul Davis July 6, 2022

    I have an intersting question. My wife has Amex Business platinum card. We’ve decided it’s redundant and plan to cancel. We will call in to see if there are any great retention offers.

    Annual fee was posted June 20 and bill is due July 15.

    what happens if I use the $200 dell credits now, in July, and then close the card? Any ramifications? Any claw back issues?
    I have no idea

    Thanks in advance for any advice

  • Trisha June 21, 2022

    150K HILTON ASPIRE CARD! BEST HOTEL CARD EVER!! OR APPLY FOR ANY AMEX CARD HERE:

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/TRISHDQobq?xl=cp19&mpt=v0

    • Erik October 18, 2022

      hi, I click on it but it only stated 75k points?

  • Ed June 19, 2022

    Some of the Amex Platinum “Semi-Annual credits” shown above are actually annual credits. For example, the $200 hotel credit and $200 airline incidental credit are annual and expire in December, not June.

    • Miles June 19, 2022

      Hey Ed, sorry for the confusion – the list is just all the credits expiring, monthly, semi annually, or annually. I just annotated the cards that had semi annual credits expiring

      • Michael December 27, 2022

        Can you purchase a Saks GC for $50 and receive the credit?

        • Miles December 27, 2022

          I’ve done this in store many times and it’s worked!

  • cakflyer May 15, 2022

    The first half of the year is jan through end of JUNE. The second credit begins on july 1. The credit doesn’t expire end of this month (which is may) as of the most recent ‘post’ of this recycled information.

    • Miles May 16, 2022

      So basically everything I said in the intro section…

  • Melissa March 22, 2022

    Hi Everyone, feel free to use my referral email for amex gold.
    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MELISDUx64?XLINK=MYCP

  • James Mccune February 22, 2022

    Get 150,000 points when you use my code. Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/JAMESMCDVa?XLINK=MYCP

  • Victoria December 13, 2021

    American Express Gold Card

    http://refer.amex.us/VICTOSXtPu?XLINK=MYCP

    Thank You So Much!

  • William December 13, 2021

    American Express Green Card
    http://refer.amex.us/WILLINUmsi?xl=cp19

    Good Luck! Thank You!

  • Bill November 10, 2021

    This site has such awesome information.
    If anyone is interested in signing up for a Chase Sapphire Preferred card, I’ve attached my referral code below.
    In advance, I appreciate you using my link.

    https://www.referyourchasecard.com/6/J3VTGZ5RXO

  • anonymous August 26, 2021

    I’m glad I got off this train. It was requiring too much effort to try to use credits that would normally be worthless to me. 🙂

  • Sofia O'Connor July 25, 2021

    Hi, Miles! Thanks for sharing the information. It’s very helpful. Best Regards!

  • SUPRIT DK July 13, 2021

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/SUPRIKST38?XLINK=MYCP

  • Kayla R Vaughn April 26, 2021

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/KAYLAVvlPy?xl=cp01

  • Claire March 31, 2021

    Huge fan of the Uber and Seamless, etc. credits on Gold. Nearly offsets the fee alone for something we already use!

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/CLAIRRYtxj?XLINK=MYCP

  • lia March 29, 2021

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MARIADMYuy?xl=cpzz5

  • Christian February 26, 2021

    Does Uber sell gift cards so I can use this later and any idea if this would work?

  • Kerner Orrillo February 26, 2021

    Just got my AMEX and my Chase Sapphire Preferred cards
    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/KERNEOb9Gd?xl=cp01

    Earn 60,000 bonus points with Chase Sapphire Preferred. Plus, earn $50 statement credit towards grocery purchases. I can be rewarded, learn more.
    https://www.referyourchasecard.com/m/6/6L5/GCLH/1574227278

  • Lia February 26, 2021

    Just got my gold card! 60k bonus points!!

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved! http://refer.amex.us/MARIAD2dHd?xl=cpzz5

  • patrick twigg December 30, 2020

    used my Saks credit and uber credit yesterday. hopefully they are counted.

  • Ben Richter December 19, 2020

    100k referral signup with 10x for gas and groceries for 6 months

    Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
    http://refer.amex.us/BENR7UhM?XL=MIACP

  • Mak November 25, 2020

    Very liberating to have cancelled my Amex Platinum after 25 years and no longer have to worry about this sort of thing or buying stuff I don’t need to rationalize the annual fee in my mind.

  • […] Don’t Forget Your Amex Statement Credits:  American Express has been very generous with various statement credits throughout their card lineup.  Most of them are extremely useful, so you shouldn’t have any issues using them.  Don’t forget to make the most of them. […]

  • Fidel July 25, 2020

    I bought some shirts at SAKS on June 28 and July 2nd since they were having a sale. i got my credit for $50 for the different dates i purchased my shirts. total for the 2 shirts were $145, with the $100 credit and the sale of about %50 off and i only paid $45 bucks for 2 designer shirts…great deal!!

  • Daniel July 13, 2020

    Does anyone know of a workaround with the cell phone credits if you use Verizon and have automatic drafting coming from your bank account? I have 5 lines and would lose $50 in credits/mo just to take advantage of paying the bill with my Amex Plat.

    I tried buying accessories and a gift card, neither coded as needed to trigger the benefit.

    Thank you in advance.

    • kenny November 26, 2020

      just make an extra payment of $20.00 on your bill

  • Jules June 23, 2020

    Does buying e-gift cards online with AMEX Gold at the above listed restaurant websites trigger the credit?

  • Sajer Guy June 23, 2020
  • Carl WV June 23, 2020

    This a little off topic, but related to the Amex Aspire Resort Credit. In late March my first full AF came due (first 4 months was pro-rated). I had seen a lot about Amex not liking you to keep a card less than a year. For that and other reason I paid the AF.

    I called Amex and explained I could not use prior Resort Credit (RC) after cancelling some plans due to COVID-10 (and mentioned being 65). They said would extend the RC, I confirmed they were saying I would now have $500 RC available and they said yes,

    Over the weekend I chatted with Amex and asked for my RC balance available. Their answer indicated they had not followed through. So I called customer service, That said they were now handling that type of situation with a $250 statement credit instead (no activity required). They said it would hit in about 5 days. They also mentioned I could use the NEW RC for restaurants. We’ll see if they follow through this time. I figure I should know by Friday.

    Assuming they do follow through it will be only because I called, Others may be in a situation to try it, having had their card anniversaries earlier his year, and unused RC,
    Will advise..

  • jc June 23, 2020

    Isn’t Amex Platinum Saks credit $100 every 6 months?

    • jc June 23, 2020

      typed too fast, should be $50 every 6 months?

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