Rewards With Credit Cards

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Compare options to build your credit below.Advertiser Disclosure

Card Card Name Annual Fee Rewards Rate
Iberia Visa Signature®

Iberia Visa Signature® Card Review

2021.7 Update: The new offer is 100k, and this time the spending requirement is not so huge any more: $5,000 in 3 months.

2019.8 Update: The new offer is 50k+50k.

Application Link

Benefits

  1. 100k offer: earn 100,000 bonus Avios after spending $5,000 on purchases within the first 3 months . This is the best offer in recent years.
  2. We value IB Avios at 1.2 cents (Airline Miles Value), so the 100k highest sign-up bonus is worth about $1,200. BA Avios, IB Avios and EI Avios can be transferred to each other at a 1:1 ratio (both accounts need to be at least 90 days old).
  3. Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level. Earn 2 Avios per $1 spent on hotel accommodations. And earn 1 Avios per $1 spent on all other purchases.
  4. Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card.
  5. Use your Iberia Visa Signature Card to book your flight on www.iberia.com/Chase10 , and you will receive a 10% discount.
  6. No foreign transaction fee.

Disadvantage

  1. Annual fee $95, NOT waived first year.

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

The sign-up bonus on this card is quite decent. BA Avios, IB Avios and EI Avios can be transferred to each other at a 1:1 ratio, so it is a good card to earn Avios quickly together with Chase BA. These mileage programs each has its own advantage. The earning structure is not attractive at all, so if you are not flying IB frequently then it is not a good card to keep for long.

Related Credit Cards

Recommended Downgrade Options

  • You can not downgrade this card to any card with no annual fee, so I suggest you close it when you don’t want to keep it any longer.

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Note: Sometimes there are offers such as 100k or 75k on this card, but the spending requirements after the first 50k are huge. Therefore, we don’t treat them as sign-up bonus; instead, we treat them as spending bonus instead. Similarly, the 4x up to 100k offer is also not counted.

Application Link

Aer Lingus Visa Signature®

Aer Lingus Visa Signature® Card Review

2021.7 Update: The new offer is 100k, and this time the spending requirement is not so huge any more: $5,000 in 3 months.

2019.8 Update: The new offer is 50k+50k.

Application Link

Benefits

  1. 100k offer: earn 100,000 bonus Avios after spending $5,000 on purchases within the first 3 months . This is the best offer in recent years.
  2. We value EI Avios at 1.2 cents (Airline Miles Value), so the 100k highest sign-up bonus is worth about $1,200. BA Avios, IB Avios and EI Avios can be transferred to each other at a 1:1 ratio (both accounts need to be at least 90 days old).
  3. Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and Level. Earn 2 Avios per $1 spent on hotel accommodations. And earn 1 Avios per $1 spent on all other purchases.
  4. Every calendar year you make purchases of $30,000, you’ll receive an economy companion ticket good for 12 months.
  5. No foreign transaction fee.

Disadvantage

  1. Annual fee $95, NOT waived first year.

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

The sign-up bonus on this card is quite decent. BA Avios, IB Avios and EI Avios can be transferred to each other at a 1:1 ratio, so it is a good card to earn Avios quickly together with Chase BA. These mileage programs each has its own advantage. The earning structure is not attractive at all, so if you are not flying EI frequently then it is not a good card to keep for long.

Related Credit Cards

Recommended Downgrade Options

  • You can not downgrade this card to any card with no annual fee, so I suggest you close it when you don’t want to keep it any longer.

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Note: Sometimes there are offers such as 100k or 75k on this card, but the spending requirements after the first 50k are huge. Therefore, we don’t treat them as sign-up bonus; instead, we treat them as spending bonus instead. Similarly, the 4x up to 100k offer is also not counted.

Application Link

Citi Premier®

Citi Premier® Card Review

2021.7 Update: New welcome offer: earn 80k TYP points after $4000 spend in the first 3 months. This is the highest signup on this card ever! But please refer to Recommend Application Time section before you apply. In this section, we used to say “Citi values the number of recent hard pulls a lot, we recommend you apply when there’s less than 6 hard pulls in the past 6 months.” However, recent data points show that for this specific card you need to have less than 3 hard pulls in the past 6 months.

2021.5 Update2: The card arts for the TYP series cards are updated. You can contact customer service to get a replacement with the new card art if interested.

2020.8 Update: New benefits are added as of 2020.08.23:

  • The new earning structure is: earn 3x TYP at restaurants, supermarkets, gas stations, air travel, and hotels; earn 1x TYP on all other purchases.
  • New benefit added: $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.
  • The ability use TYP as a fixed value 1.25 cents/point is removed. However, you can still transfer TYP to airline miles which is a better way to redeem your TYP anyway, so this is not a big bad news.

Application Link

Benefits

  1. 80k offer: earn 80,000 ThankYou Points (TYP) after spending $4,000 in first 3 months. This is the highest offer ever!
  2. We estimate that ThankYou Points (TYP) are worth about 1.6 cents/point, see below for a brief introduction. So the 60k highest sign-up bonus is worth about $960!
  3. If you have this card, you can transfer your TYP to partner airlines miles. Besides, with this card, you can also cash out TYP at a fixed ratio 1 cent/point.
  4. [New] Earn 3x TYP at restaurants, supermarkets, gas stations, air travel, and hotels; earn 1x TYP on all other purchases.
  5. [New] $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.
  6. No foreign transaction fee.

Disadvantages

  1. $95 annual fee, NOT waived for the first year.

Introduction to TYP

  • You can earn TYP with Citi PrestigeCiti PremierCiti Rewards+Citi ATT Access More, etc.
  • You can add all these cards into the same thankyou.com account, and points that are about to expire will be redeemed first in the order in which they expire automatically.
  • In most cases, TYP never expire. But closing account, product change, or receiving points from other people may cause TYP on that account to expire.
  • If you have Citi Prestige or Citi Premier, TYP can be transferred to some airline miles. The best way to use TYP is to 1:1 transfer them to Asia Miles (Oneworld) or Avianca (AV) miles (Star Alliance). Other good options are: Singapore Airlines (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), etc. If you use TYP in this way, the value is about 1.6 cents/point.
  • If you have Citi Prestige, you can redeem your TYP at a fixed rate 1.25 cents/point towards air tickets on thankyou.com. This is a common way to use TYP. Points+cash is available when redeeming for air tickets, so no need to worry if you do not have enough TYP.
  • If you have Citi Prestige or Citi Premier or Citi Custom Cash, you can redeem your TYP at a fixed rate 1 cents/point towards cash.
  • If you have Citi Rewards+, you can get 10% back when redeeming TYP, up to 100k TYP per year. This feature further boosts the value of TYP.
  • In summary, we estimate that TYP are worth about 1.6 cents/point.
  • For more information about TYP, see Maximize the Credit Card Points Values (overview), and Introduction to TYP: How to Earn & Introduction to TYP: How to Use (very detailed).

Recommended Application Time

  1. [1/24 Rule] Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months. Product change is treated as account closure if the account number is changed. [Update] Despite what the term says, if you convert a non-TYP card (e.g. Citi AA card) to a TYP card, this action will reset the 24 month clock and affect the bonus eligibility!
  2. [8/65 Rule] You can apply for at most 1 Citi cards every 8 days, and at most 2 Citi cards every 65 days, no matter approved or not.
  3. Citi values the number of recent hard pulls a lot, we recommend you apply when there’s less than 3 hard pulls in the past 6 months (Citi generally requires less than 6 hard pulls, but this card is different).
  4. We recommend you apply for this card after you have a credit history of at least one year.

Summary

In 2020, this card becomes stronger. The ability to earn 3x TYP on restaurants and supermarkets is very useful. If you want to play with the ThankYou Points (TYP) system, you need either Citi Premier or Citi Prestige to make redemptions. Nowadays Citi Prestige becomes weaker and weaker with a really high annual fee, and Citi Premier is a better choice for most people in my opinion.

Related Credit Cards

Recommended Downgrade Options

  • Citi Rewards+. We recommend you downgrade this card to these no annual fee cards that can earn TYP, because you can keep your TYP if so. If you downgrade this card to DC/Dividend, the TYP you earned from this card will expire in 60 days.

Historical Offers Chart

Note 1: The offer before 2015.4 is: earn 20k TYP after spending $2000 in the first 3 months, and another 30k after spending $3000 in the first 3 months of next year.

Note 2: The 60k offer in 2015.9 is a special link, and it probably is a glitch, so we should not expect it to appear again in the near future.

Application Link

IHG® Rewards Club Premier

IHG® Rewards Club Premier Credit Card Review

2021.7 Update: The new offer is 150k+$50 and first year annual fee waived. This is the best offer on this card. HT: DoC.

2021.5 Update: The new offer is 150k and first year annual fee waived. This is the best offer on this card.

Application Link

Benefits

  1. 150k+$50 Offer: earn $50 statement credit after first purchase, and earn 150,000 IHG points after spending $3,000 in 3 months. This is the best offer in recent history.
  2. IHG points are valued around 0.5 cents/point (Hotel Points Value). So the 150k highest offer is worth about $750.
  3. Receive a free night certificate every year after your account renewal anniversary date. Anniversary free night certificate is only valid at IHG hotels with a current point redemption level of 40,000 points or less.
  4. Earn 10x points at IHG property, 2x points at dining, supermarket and gas station, and 1x point on other purchases.
  5. Earn 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.
  6. 20% off 20% on when you purchase IHG points with your card.
  7. 4th reward night free when you redeem points for any stay of 4 or more nights.
  8. Complimentary IHG Platinum Membership.
  9. Cell phone protection: get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Deductible $50.
  10. Global Entry or TSA PreCheck $100 credit every 4 years.
  11. No foreign transaction fee.
  12. Refer a friend. Please click this link to start referring. You can earn 10,000 bonus IHG points for every approved account you refer, up to a maximum of 5 approved referrals (50,000 IHG points) per calendar year.

Disadvantages

  1. $89 annual fee, waived fist year.
  2. Free night is only valid for one year, and only valid at IHG hotels with a current point redemption level of 40,000 points or less.

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

Now the anniversary free night is only valid at IHG hotels with a current point redemption level of 40,000 points or less, and this makes it harder to redeem it in big cities. You may find some good redemptions outside of the US. If you only compare the face value of a hotel, it is mostly higher than the $89 annual fee; however, it is not easy to find a fantastic redemption any more. This card is not a good card for everyday use because IHG points are not very valuable, so the 10k spending bonus is basically just a joke. Keeping this card for a long time is basically equivalent to use $89 to buy a hotel night, whether it’s worth it really depend on your traveling frequency etc.

Related Credit Cards

Chase IHG Premier Chase IHG Traveler
Annual Fee $89 $0
Free Night up to 40k none
Best Sign-up Bonus 140k 100k

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be handed in to the branch or be faxed.

Historical Offers Chart

Application Link

Barclays Wyndham Earner

Wyndham Rewards® EarnerSM Card Review

2021.7 Update: The new offer is 60k, and this is the best offer on this card.

2020.9 Update: The offer is now 30k and the card is revamped.

Application Link

Benefits

  1. 60k offer: earn 45,000 Wyndham points after spending $1,000 in the first 90 days; earn an additional 15,000 Wyndham points after spending $2,000 in total in the first 6 months. That’s 60k points in total. This is the best offer on this card.
  2. Wyndham points are valued around 1.0 cents/point (Hotel Points Value), and the redemption structure is very simple with only three tiers of redemption: 7.k/15k/30k points.
  3. go free Faster”: Redeem 10% fewer Wyndham Rewards points for award nights. That means you only need 6.75k/13.5k/27k points for redemption.
  4. Cardmember discount: 7% or 12% off of the Best Available Rate for card member (5% or 10% off for regular member).
  5. Earn 5 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 2 points per $1 spent on eligible dining and grocery purchases (excluding Target and Walmart); Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments).
  6. Annual Bonus: Earn 7,500 bonus points each anniversary year after you spend $15,000 on eligible purchases.
  7. Automatically receive a Wyndham Rewards Gold Membership.
  8. No foreign transaction fee.
  9. No annual fee.

Disadvantages

  1. The free night is typically not worth a lot since most Wyndham hotels are not very expensive.
  2. Note that Wyndham points expires after 18 months for inactivity, and expires after 4 years no matter what. Therefore it is not a good idea to accumulate a lot of Wyndham points if you don’t plan to stay in Wyndham in the near future.

Recommended Application Time

  1. Barclays value the number of recent hard pulls a lot, we recommend you apply when you have less than 6 hard pulls in the past 6 months.
  2. [6/24 rule] Similar to Chase 5/24 rule, Barclays will reject your application if you have 6 or more new accounts in the past 24 months. Note that this is a soft rule for Barclays.
  3. We recommend you apply for this card after you have a credit history of at least one year.

Summary

We recommend applying for the Barclays Wyndham Earner Plus for a higher welcome offer, and then downgrading it to this no annual fee version when you don’t want to pay the annual fee anymore. It’s really nice that the reward night discount and card member discount are also on this no annual fee card.

Related Credit Cards

Barclays Wyndham Earner Barclays Wyndham Earner Plus Barclays Wyndham Earner Business
Annual Fee $0 $75 $95
Annual Points 7,500 (if spending $15,000 or more) 7,500 15,000
Bonus Categories Earn 5 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 2 points per $1 spent on eligible dining and grocery purchases (excluding Target and Walmart) Earn 6 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 4 points per $1 spent on eligible dining and grocery purchases (excluding Target and Walmart) Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities
Wyndham Elite Membership Gold Platinum Diamond
Best Sign-up Bonus 60,000 90,000 90,000

After Applying

  • Click here to check Barclays application status.
  • Barclays reconsideration backdoor number: 866-408-4064. Barclays tends to ask various questions and you must know all the answers about personal information and credit report. Besides, you may get HP again, but will be informed in advance. Therefore, think carefully before calling.

Historical Offers Chart

Application Link