Limited-time offer is back. The Citi AAdvantage Platinum Select World Elite Mastercard is the co-branded American Airlines card from Citi. The sign-up bonus varies, but since you can only get it once every 48 months, right now is a good time with an elevated 80k bonus and the annual fee being waived. Here are the updated card highlights:

• 80,000 American Airlines miles after $3,500 in purchases within the first 4 months of account opening.
• First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation – savings of up to $500 per round trip.
• 2X AAdvantage® miles for every $1 spent at gas stations
• 2X AAdvantage® miles for every $1 spent at restaurants
• 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
• 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.
• $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
• No Foreign Transaction Fees*
• Preferred boarding on American Airlines flights
• 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights
• $0 intro annual fee for the first year, then $99.

Bonus details. Note the following language for the personal card, which has been changed from 24 to 48 months. Having the business version is okay.

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Platinum Select® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi® / AAdvantage® Platinum Select® account.

To clarify, you can have one of both the consumer version of this card and the CitiBusiness® version designed for businesses under your name. The bonuses are also separate.

Baggage fee value. American Airlines now charges a whopping $50 one-way for the first checked bag if you don’t prepay online ($45 if you prepay online). That’s $100 roundtrip for a single checked bag, per person. With this card, your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. $100 roundtrip x 5 people = $500 potential benefit.

Bottom line.  The Citi® / AAdvantage® Platinum® Select® World® Elite® Mastercard® has® a® nice® bonus® offer®. As with most of these co-branded cards, a lot of the ongoing value comes when you fly on American and utilize the free first checked bag benefit for you and up to 4 companions (value of up to $100 per person, round-trip).

As of 9/27/26, most Discover cards were transitioned to Capital One. Capital One cards work with Paze, so now you might have some new sources of $10 credits! My family just ordered another 3 x $10 of Domino’s last week. To add them, log into Paze at www.paze.com, look to add a new card, click on Capital One, and log into your Capital One account.

Paze is a new online checkout shortcut where you don’t have to type in your credit card number and billing address details repeatedly (think of how “Apple Pay” or “Google Pay” are so convenient), this time backed by a bunch of different banks and credit unions. In order to build a habit, Paze is running a Spend $10, Get $10 promo that works up to 10 times per linked card. That means it could be worth $100 per linked card, and so if you have 5 linked cards for example, that’s up to $500 in credits. Here is a list of current Paze merchants.

Between June 15, 2026 and September 10, 2026, each time you spend $10 or more using Paze® in a single transaction at a participating merchant, you’ll receive a $10 statement credit.

You can earn this credit up to 10 times, for up to $100 back per card in your Paze wallet. Paze is accepted at a growing list of online merchants – see the full list here.

Note: Chase Sapphire and Freedom cards are also offering a separate promo for 10X points per $1 spent on Paze purchases right now. You can verify this in your Chase App under the Benefits section for your Sapphire Preferred/Reserve and Freedom Flex/Unlimited cards. A nice stacking opportunity. You can also link them to Paze directly in your Chase App under “More” in the bottom right corner and then “Digital Wallets”.

Here are a few ideas on how to spend this credit efficiently. Remember, each purchase just has to total $10 to trigger the credit, so you want to get as close to that minimum as possible.

• $10 Dunkin gift cards. Dunkin App, Scan/Pay, Pay Another Way, Add A Dunkin Card, No, Next, $10, Paze. You now need to wait 24 hours per $10 load.
• $10+ Domino’s pizza for carry-out. You can’t buy a $10 gift card through their app, but you can make multiple takeout orders for just over $10 and just pick them up all at once.
• $10 Fanatics gift card (limited). I was able to buy one but not a second immediately after. According to a commenter on Reddit who contacted customer support, there is a cooldown period. But since this promo lasts until September, you could still accumulate a decent amount of gift cards over time.
• Meals just over $10 from Wendy’s. Order in the app or online.
• Items just over $10 from Sephora. Order in the app or online.
• Items just over $10 from Newegg.com Gift cards are no longer a good option.
• Any other ideas?

(Update 7/13: There are additional new deals on July 16th, which is even higher demand. One has a cost of $755.95 and a profit of $244.05 per order. Basic deal structure is the same. Sign-up for an account below to get the details. Good luck!)

New deal July 21st, 2026. The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited to one per household, but end up with a market value greater than the initial cost. PFS Buyers Club is a website broker that recruits regular folks to buy their allotted coin set with a set markup amount, with the agreement that they will sell only to PFS Buyers Club. For example, you might pay $300 for a coin and they’ll agree to pay you $350 for it – a fixed profit of $50.

On Tuesday, July 21st at 12:00 pm Noon Eastern Time, there is a new guaranteed profit opportunity. A limited edition American Eagle 2026 One Ounce Silver Enhanced Uncirculated Coin will be released then, with a purchase limit of ten (10) per household.

PFS will pay you a fixed commission of $104.05 for 10 coins (must be exactly 10), on top of your cost for the set. The total paid is $1,800. The cost of each order of ten coins will be $1,690. After including the $5.95 shipping charge, each order’s total will be $1,695.95. If you subscribed to these or have already made three purchases with the Mint this year, you should get free shipping.

You’ll also earn credit card rewards on your ~$1,700 purchase (worth another ~$34 at 2% cash back), or also possibly satisfying the requirements for some $500+ value credit card bonuses. This makes the total net profit safely around $138.

Note that the eventual value of the set may exceed that elsewhere – you may see a higher bid on eBay, for example – but if you want to make that bet, don’t promise to sell to PFS Buyers Club. Just buy it on your own and try to sell it yourself. Keep in mind that eBay seller fees can be quite high (13.25%+ of the final selling price + PayPal fees), and you’ll be responsible for other costs like the proper shipping with adequate insurance. PFS Buyers Club will send you a free prepaid mailing label (including tracking and insurance) and pay you via eCheck, paper check, or PayPal. Even as an experienced eBay seller, I still prefer a low-stress experience when dealing with these types of valuables. You don’t have the risk of a price drop, or a random eBay user who claims never to have received your coin.

My past experience. I have used PFS successfully several times since 2021. Everything has gone smoothly each time and I have been paid my money in full without issue. The amount of communication was great and in fact better than expected; I was kept up-to-date every step of the way.

The total time commitment was the stop at the Fedex store to drop off the box with prepaid label. The eCheck option worked great – I printed the check out at home and deposited immediately via mobile app. PFS has a very solid reputation online. Their success has spawned many competitors, and some may offer you more money than PFS. I have nothing positive or negative to say about the competitors, as I have never used them. As always, I try to write based on my own personal experience. However, if this is your very first deal, I would consider PFS because they have the longest reputation and a time-tested process. I think it’s a good setup for beginners (well, those who are good at following directions) and folks who want minimal risk like myself.

If this interests you, you can sign up to join PFS Buyers Club here to see the details on the current offers (there may be another deal coming up soon on 7/16). Sometimes these deals fill up, so I would sign-up (it’s free) and opt-in sooner rather than later. You can still opt out of the deal until an hour prior to the coins going on sale. They will provide very detailed instructions. Follow them carefully, and it was pretty easy for me as a first-time buyer. If you use that link, I will receive a referral fee the first time you successfully sell your coin for a profit. Thanks for those that use it, and for those that already used it years ago! You’ll also be notified for future deals, some of which have very little upfront notice.

(p.s. I don’t write about coin deals often, the last one I wrote about was back in 2022 I think, this one just seemed to be a good mix of profit and spend. Some deals require a huge upfront purchase, and others the profit is under $100 and not worth my time.)

Updated offer. The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (which includes The Ritz-Carlton, St. Regis, JW Marriott, W Hotels, Sheraton, Westin, Marriott, Renaissance, Courtyard, Residence Inn, and Fairfield brands). Right now, there is a special offer that is higher than the standard offer. Here are the highlights:

• 125,000 Bonus Points + 1 Free Night Award after spending $3,000 on eligible purchases within 3 months of account opening Free Night award worth up to 50k points; you are also now allowed to top off the award nights with up to 25,000 of your own points, in order to reach a 75,000 point award night. Certain hotels have resort fees.
• Special Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases. The credit are split up semi-annually. Spend $250 between July 1 and Dec. 31, 2026 to earn a $50 statement credit. Earn another $50 statement credit after spending $250 or more between Jan. 1 and June 30, 2027.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Boundless(R) Card.
• 2X points for every $1 spent on all other purchases.
• Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
• 15 Elite Night Credits each calendar year.
• No Foreign Transaction Fees.
• $95 annual fee.

Keep in mind the following:

This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.

The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy™ American Express® Card.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Since 2022, Marriott no longer has a fixed hotel category chart for booking points. You can still use these points at either long-time Marriott brands (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood brands (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. Other estimates that I’ve seen are 0.8 cents per point. That means 50,000 Bonvoy points = estimated $350 redeemable value. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points. With the flexibility of points, you could book a week stay at a modest hotel or a couple nights at a luxury resort.

You can use the Marriott free night search tool to price out some sample hotels for yourself.

NEW: Certificates can be combined with up to 25,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 25,000 points of your own. In other words, if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 75,000 points after adding 25,000 points of your own. Here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. You can convert your Bonvoy points to miles at 39 participating airlines. The standard ratio with most programs is 3:1 (60,000 Bonvoy: 20,000 airlines) miles. Most programs will add on a bonus 5,000 miles for every 60,000 points you transfer to frequent flyer miles (does not apply to American Airlines AAdvantage, Avianca LifeMiles, Delta SkyMiles and Korean Air SKYPASS.) If you’re a United MileagePlus® member, you’ll get 10,000 bonus miles for every 60,000 points you transfer. More information here.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great, so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

No annual fee alternative. Look at the Marriott Bonvoy Bold card, which also offers bonus points and some (lesser) perks, but with no annual fee.

Bottom line. The Marriott Bonvoy Boundless credit card is currently offering a special offer for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott properties regularly, the free night award every year should easily cover the annual fee.

(Update: Wyndham just announced some changes to their rewards program effective 9/15/2026 – notably a new 45,000 point top tier that was previously only 30,000 points – likely indicates that many of their properties may cost a lot more than before.)

Cards refreshed. The Wyndham Rewards Earner credit cards have a refreshed line-up with some limited-time sign-up offers as well. However, to get the full sign-up bonus you now need to spend a certain amount at Wyndham Hotels. Free nights start at 7,500 points and go as high as 30,000 points. Reminder that as of 2026, Vacasa home rentals are no longer a partner of Wyndham Rewards.

Wyndham Rewards Earner Card highlights:

• Up to 75,000 total bonus points. 30,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
• 5X points per $1 spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles.
• 3X points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®), as well as eligible gas and EV charging purchases.
• 1 point per $1 spent on all other purchases (excluding Vacation Club down payments).
• Automatic upgrade to Wyndham Rewards Gold status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases.
• No annual fee.

Wyndham Rewards Earner Plus Card highlights:

• Up to 100,000 total bonus points. Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
• 6X points per $1 spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles.
• 4X points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®), as well as eligible gas and EV charging purchases.
• 1X point per $1 spent on all other purchases (excluding Vacation Club down payments).
• Automatic upgrade to Wyndham Rewards Platinum status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 15,000 bonus points each anniversary year after payment of your annual fee.
• $50 Meal Delivery Credit. Enjoy up to $25 in statement credits back every 6 months on eligible meal delivery purchases when you pay with your card—up to $50 each calendar year.
• $95 annual fee.

Wyndham Rewards Earner Premier Card highlights:

• Up to 120,000 total bonus points. Earn 90,000 bonus points after spending $6,000 on purchases and paying the annual fee in full, both within the first 120 days, and also earn 30,000 bonus points after spending $750 at Hotels by Wyndham in the first 180 days.
• 8X points per $1 spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles.
• 4X points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®), as well as eligible gas and EV charging purchases.
• 1X point per $1 spent on all other purchases (excluding Vacation Club down payments).
• Automatic upgrade to Wyndham Rewards Diamond status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 15,000 bonus points each anniversary year after annual fee renewal.
• $100 Wyndham Hotels annual credit. You are eligible to receive a single statement credit of $100 back after spending $100 or more in the aggregate at Wyndham® hotels, Wyndham Grand® hotels, Dolce Hotels and Resorts® by Wyndham, Trademark Collection® by Wyndham and/or Registry Collection Hotels® each calendar year.
• $65 Wholesale Club annual credit. Receive a $65 statement credit back each calendar year after making qualifying wholesale club membership purchases with your card.
• $120 in Meal Delivery credits annually. Enjoy up to $10 in statement credits back each month–up to $120 each calendar year–after making qualifying meal delivery purchases with your card.
• $100 in Streaming annual credits. Receive statement credits on qualifying streaming subscriptions—stream more of what you love.
• $120 TSA PreCheck/Global Entry credit, once every 4 years.
• Free Wyndham Insider membership ($95/year value).
• $395 annual fee.

Wyndham hotels have a relatively simple system that charges 7,500, 15,000, or 30,000 points for a “Go Free” award hotel night with no blackout dates (as long as a standard room is available for cash, you can book it with points). You can also redeem toward a discounted “Go Fast” cash and points rate. Resort fees may apply and cannot be paid with points. Note that when you have one of these credit cards, you get a 10% discount, so for example the 15,000 points tier would be actually be reduced down to 13,500 points.

Wyndham points expiration – Important!

• Wyndham Rewards points will expire if you have no activity on your account for a period of 18 months.
• In addition, all Wyndham Rewards points expire 4 years after being earned — regardless of account activity.
• NEW: The only exception to this is if you are a Wyndham Rewards Earner® Premier Card Cardmember.

From the official Terms & Conditions:

Except as may otherwise be required under applicable law or set forth herein with respect to Wyndham Rewards Earner® Premier Cardmembers, Wyndham Rewards points expire four (4) years after the date on which the applicable points are posted to the Member’s account (the “Four Year Rule”), unless the points are forfeited or cancelled earlier due to membership inactivity (as more particularly described below), or otherwise in accordance with these Terms and Conditions. For clarity, posting dates vary based on the type of activity for which they were earned. Except as may otherwise be set forth herein with respect to Wyndham Rewards Earner® Premier Cardmembers, all accrued points in a Member’s Wyndham Rewards account may be cancelled or forfeited if the Member has no Account Activity (as defined below) for a period of approximately, but never less than, eighteen (18) consecutive months. For purposes of these Terms and Conditions, “Account Activity” means any (i) point earning, and (ii) redemption or transfer activity involving a change in the Member’s Wyndham Rewards point balance, in each case, conducted in accordance with these Terms and Conditions.

Without limiting any other section of these Terms and Conditions, points earned by a Wyndham Rewards Earner® Premier Card Cardmember do not expire under this Section I(14) as long as Cardmember’s account is open and in good standing.

For example, earning points via this credit card will only reset the 18-month inactivity clock. Look for the exact date in your online account page. Again, there is a new exception for the top-tier Premier credit card.

Wyndham Rewards includes over 9,000 hotels worldwide – from Days Inn motels to Wyndham Grand hotels. You can use this link to filter locations easily by country, state, and/or point level. Participating hotel chains include:

• AmericInn by Wyndham®
• Dolce Hotels and Resorts® by Wyndham
• Hawthorn Suites by Wyndham®
• Howard Johnson by Wyndham®
• La Quinta by Wyndham®
• Ramada by Wyndham®
• Days Inn by Wyndham®
• Super 8 by Wyndham®
• Travelodge by Wyndham®
• Wingate by Wyndham®
• Wyndham Grand®
• Wyndham Hotels and Resorts®
• Wyndham Garden®

I don’t like that the sign-up bonuses now include a requirement for a paid stay at a Wyndham hotel first, so I will probably be skipping this card.

The Chase Sapphire Preferred Card has been a big hit for Chase since it came out, and they recently announced (press release) several positive changes that will come into effect on June 15th, 2026 for both new and existing applicants and some negative changes (notable Hyatt points transfers) that will be grandfathered for existing cardholders until October 1st, 2026.

Additions / Positive Changes

• $100 Chase Travel Hotel Credit each account anniversary (increased from $50).
• 3X points on gas and EV charging.
• 3X points on vacation rentals (Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com and Vacasa).
• $120 credit toward Global Entry, TSA PreCheck or NEXUS every four years.
• “Emergency Evacuation and Transportation coverage” added to their existing list of travel protections.
• One-time 12-month Apple TV subscription for free when activated by December 31, 2026.

Removals / Negative Changes

• Hyatt points transfers devalued by 25%. Before, Ultimate Rewards points transferred to Hyatt at a 1:1 ratio for Sapphire Preferred and Ink Business Preferred cards. Now, it is a 4:3 ratio, which is the same as a 1:0.75 ratio. (Chase Sapphire *Reserve* cardholders will keep the 1:1 ratio.) So every 1,000 Ultimate Rewards points only becomes 750 Hyatt points now, instead of the previous 1,000.

  “Sapphire Preferred and Ink Business Preferred cardmembers’ Ultimate Rewards points will transfer to World of Hyatt at a rate of 4:3. For Sapphire Preferred cardmembers, this is effective immediately for new cardmembers who apply on or after June 15, 2026, and effective October 1, 2026, for cardmembers who applied prior to June 15, 2026. For Ink Business Preferred cardmembers, this is effective October 1, 2026, for existing cardmembers and for new cardmembers who apply on or after October 1, 2026.”

• 10% anniversary points bonus removed. “The 10% Anniversary Bonus Benefit is being discontinued, effective immediately for cardmembers who apply on or after June 15, 2026. For cardmembers who applied prior to June 15, 2026, eligible purchases made through October 1, 2026, will continue to earn the 10% bonus, which will be awarded by January 31, 2027.”

No change

• $95 annual fee.
• 5X points on Chase Travel portal purchases (flights, hotels, car rentals, etc).
• 2X points on all other travel worldwide.
• 3X points on dining worldwide, including takeout and eligible delivery services
• 3X points on select streaming services (Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu)
• 3X points on online grocery purchases (excludes Target, Walmart, and wholesale clubs).
• 5X points on Lyft rides through September 30, 2027
• 5X total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027
• 1X points on all other purchases

The Hyatt points transfer change is a double-whammy. Ultimate Rewards points to Hyatt transfers used to be a relatively hassle-free way to easily get over 2 cents per point value. But not only has Hyatt devalued their own points a lot recently (most of their hotels now cost more points to book), but now the transfer rate from Ultimate Rewards also dropped by 25% for this card. That nudges the value of an Ultimate Rewards points much closer to the basic sad value of 1 cent per point. Now it will take more work to find other transfer partners like a United Airlines redemption to get good value.

Even though these are “improvements” to the Sapphire Preferred, this actually shifts my personal preference a bit more to the Chase Sapphire Reserve, which has its own set of complications, but at least I can still get full 1:1 value to Hyatt points with my large bank of points. You can also transfer your other points over to the Reserve from your other cards and household family members. Right now, I am still in the middle of my first year with the Chase Sapphire Reserve and trying to figure out what I’m really able to get out of all those annual credits. The sign-up bonus is also increased to 150,000 Ultimate Rewards points until 6/15.

Our household strategy in the past has been for at least one person to have the Chase Sapphire Preferred to keep our Ultimate Rewards balance going, sometimes transferring back and forth as needed, and then the other person might have the Reserve for a while.

Updated with new limited-time offers. Hilton Hotels and American Express have co-branded credit cards with special perks for Hilton customers. Each person can typically only get one welcome offer, per card in your entire lifetime, so it’s best to apply during a temporary bump-up and/or limited-time offer.

Hilton Honors American Express Card (No Annual Fee)

• Limited Time Offer: Earn 100,000 Bonus Points and a $100 Statement Credit after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
• 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Hilton Honors Bonus Points per dollar on purchases at US restaurants, US supermarkets, and US gas stations.
• 3X Hilton Honors Bonus Points for all other eligible purchases.
• Hilton Honors(TM) Silver Status comes with this card. Spend $20,000 on eligible purchases on this card within a calendar year and upgrade this benefit to Hilton Honors(TM) Gold Status through the end of the next calendar year.
• No foreign transaction fees.
• No annual fee.

Hilton Honors American Express Surpass Card ($150 Annual Fee, waived first year)

• Limited Time Offer: Limited Time Offer. Earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
• 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 6X Hilton Honors Bonus Points per dollar on purchases at US restaurants, US supermarkets, and US gas stations.
• 4X Hilton Honors Bonus Points for each dollar on U.S Online Retail Purchases.
• 3X Hilton Honors Bonus Points for all other eligible purchases.
• Hilton Honors(TM) Gold Status comes with this card. Spend $40,000 on eligible purchases on this card within a calendar year and upgrade this benefit to Hilton Honors(TM) Diamond Status through the end of the next calendar year.
• Up to $200 in Hilton Credits annually. Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
• No foreign transaction fees.
• Earn an additional Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• $0 introductory annual fee for the first year, then $150.

Hilton Honors American Express Aspire Card ($550 Annual Fee)

• Limited Time Offer: Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
• 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants.
• 3X Hilton Honors Bonus Points for all other eligible purchases.
• Hilton Honors(TM) Diamond Status comes with this card.
• $400 Hilton Resort Credit. Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That’s up to $400 back annually.
• $200 Flight 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.
• $209 CLEAR+ Credit. CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. Receive up to $209 per calendar year in statement credits, when you pay for a CLEAR+ Membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card.
• No foreign transaction fees.
• Multiple Free Night Reward Opportunities. Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal. Earn another Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend a total of $60,000 in purchases on the Card within the same calendar year.
• $550 annual fee.

Hilton Honors American Express Business Card ($195 Annual Fee, waived first year)

• Earn 130,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Card within your first 6 months of Card Membership. $0 Intro Annual Fee for the first year, then $195. Offer ends July 29, 2026.
• 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
• 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
• Up to $240 in Hilton credits annually (Up to $60 per quarter). Get up to $60 in statement credits each quarter for purchases made with this card directly with a Hilton portfolio property.
• Complimentary Hilton Honors(TM) Gold Status (free breakfast, room upgrades based on availability, 5th standard reward night free).
• Upgrade this benefit to Hilton Honors(TM) Diamond Status through the end of the calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
• $0 introductory annual fee for the first year, then $195.

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 150,000 points = $750 value and 100,000 points = $500 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you are able to keep them active (once every 12 months), I do like to keep some around. These credit cards are handy for creating activity.

Free Night Award details. When it is offered (not all the time), the Free Night Award is valid for a one-night standard room at eligible Hilton properties, and also covers resort fees and taxes. There are many great and valuable options to redeem, but importantly read about the property exclusions here. Here are the full terms. To redeem the Free Night Reward, you must call 1-800-446-6677 (1-800-HHONORS). It’s quite easy and I’ve found the agents to be very helpful if you want to combine multiple certificates, combine a paid stay and a Free Night Award, etc. Free Night Rewards will expire 12 months from date of issuance.

I’ve used this Free Night Award at the Grand Wailea in Maui, and that standard room would have cost 110,000 Hilton Points otherwise. Other fancy possibilities include Conrad New York, Conrad London, Waldorf Astoria Park City, and Waldorf Astoria Beverly Hills.

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their standard policy to only allow each person to get a welcome offer once per card.

Also see: Top 10 Best Credit Card Bonus Offers and Top 10 Best Business Card Offers.

The Atmos Rewards Visa Signature Business Card is the business card version of the Atmos Rewards Ascent Visa. Right now, there is also a limited-time increased 85k + $99 Companion Fare offer for this card, which you may find promoted by flight attendants inflight with their code handwritten on the flyer. However, any 7 digit promo code works on the application, and I’ve historically always gotten the bonus with any code.

The highlights are very similar to the consumer card, although the spending requirement is a bit higher. Note that you can now also use your “$99 + fees” Alaska Airlines Companion Fare on Hawaiian Airlines flights within North America, including to/from Hawaii as long as the booking is made on alaskaair.com.

Get 85,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,500 or more in purchases within the first 90 days of opening your account.

Earn another $99 Companion Fare (plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.

Save with a free checked bag on Alaska Airlines and Hawaiian Airlines flights for any cardholder and up to six guests on the same reservation when you pay for your flight with your card.

Enjoy preferred boarding for any cardholder on Alaska Airlines and Hawaiian Airlines flights, so you can get to your seat quicker, when paying for the flight with your AtmosTM Rewards Business Card.

Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases, 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases, and 1 point per $1 spent on all other purchases.

Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business banking account.

Limited-time offer. The Atmos™ Rewards Ascent Visa Signature Card is the one of the new refreshed Alaska Airlines cards in the new combined Alaska–Hawaiian ecosystem. Formerly the Alaska Airlines Visa Signature Card, and still issued by Bank of America. Note that you can now also use your “$99 + fees” Alaska Airlines Companion Fare on Hawaiian Airlines flights within North America, including to/from Hawaii, as long as the booking is made on alaskaair.com.

Right now, there is a limited-time improved 85k offer, which is usually also the one promoted by flight attendants inflight with their code handwritten on the flyer. However, any 7 digit promo code works on the application, and I’ve historically always gotten the bonus with any code.

Highlights:

• 85,000 Atmos points + $99 Companion Fare (must pay taxes & fees from $23) after $4,500 in purchases within the first 120 days of opening your account.
• Annual $99 Companion Fare. Get a $99 Companion Fare (must pay taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
• First checked bag free on Alaska & Hawaiian (primary + up to 6 guests on same reservation). Any cardholder who purchases Alaska and Hawaiian Airlines airfare with their card, and up to 6 additional guests traveling on the same reservation, may check their first bag free.
• Preferred boarding. Primary cardholder + up to 6 guests traveling on the same reservation paid via this card can enjoy preferred boarding in group C before general boarding. Preferred boarding is only available on flights operated by Alaska Airlines, Horizon Air, or Skywest.
• 20% back on all Alaska Airlines and Hawaiian Airlines inflight purchases. Eligible in-flight purchases include food, drinks, and Wi-Fi.
• 3X points on eligible Alaska Airlines & Hawaiian Airlines purchases; 2X points on everyday categories like gas/EV charging, local transit & rideshare, cable and select streaming services; 1X everywhere else.
• 10% extra with Bank of America relationship. 10% bonus on points from purchases if you have an eligible Bank of America® or Merrill® account.
• Earn 1 status point for every $3 spent on purchases.
• No foreign transaction fees.
• $95 annual fee.

Bottom line. The Atmos™ Rewards Ascent Visa Signature® offers a unique set of perks for Alaska Airlines customers (along with Hawaiian Airlines in many cases), including free checked bags for more than just the primary cardholder and the “famous” $99 Companion Fare is still here as well.

I don’t receive any commission for this offer. I will be adding this offer to my ongoing list of Top 10 Best Credit Card Bonus Offers.