If you have a big family to feed you most likely spend tons of money at the grocery store. You can add up coupons all day long but this card will save you the most. A 6% discount on groceries is basically what you are getting with this cash back card at grocery stores. The card has an annual fee but it pays for itself with the generous cash back and the $250 bonus.
Earn $250 after spending $1,000 in first 3 months.
Earn 6% cash back at US supermarkets; 3% cash back at US gas station and select US department stores; 1% cash back on other purchases.
With this credit card, you can get access to Amex Offers, which often offers very good discounts at some stores. In the past we have seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back on Amazon
This is also a great card to have to buy Christmas Gift Cards for the stores that you visit frequently (such as Shell, Amazon, Uber, etc) or Visa Gift Cards in supermarkets, use your Blue Cash Preferred to buy them and you can get 6% cash back (up to $6000 per year)! If you use the card this way than you can make anything 6% back.
Disadvantages
$95 annual fee but the bonus pays for this.
Only first $6,000 purchases per Annual Reward Year (12 billing periods in a row beginning with the one that includes January 1st) at US supermarkets can earn 6% cash back, after that you can only earn 1%.
According to American Express; Target, Walmart, and Costco do not count as supermarkets, and you can only get 1x when shopping there.
This credit card is on the American Express Network, not Visa or MasterCard, so some small stores may not accept it.
Bottom Line
This is a great card for those who do lots of grocery shopping. Personally, I used the card for the bonus and plan to downgrade to the non-annual fee card when the annual fee comes due. AMEX actually prorates the annual fee for those that apply before the end of the year so you can cancel in January and keep most of the $250 bonus. Pretty simple stuff to make some easy money and get 6% back on buying Christmas gift cards for relatives.
After you apply you may check with the AmEx reconsideration backdoor number: 877-399-3083.
A groundbreaking new program rumored to be in development could redefine what it means to leverage financial power for premium rewards—this time, with potential immigration benefits. While premium credit cards like the American Express Gold Card offer travel points and lounge access, sources suggest a Gold Tier Visa initiative (not to be confused with traditional Visa credit cards) might soon provide high-net-worth individuals with a pathway to U.S. residency or citizenship through investment—all potentially financeable via credit.
SCOOP: President Trump floated the idea of creating a $5 million golden visa card.
A New Kind of “Rewards Program”
Reports indicate that a digital infrastructure project led by a tech-focused government efficiency team (referred to in public records as DOGE) is laying the groundwork for a streamlined application platform. Public domain registrations, including references to a dedicated “GoldenVisa.gov” portal, hint at a system designed to simplify the process for applicants. Unlike traditional credit card perks, this program is speculated to offer residency opportunities in exchange for significant financial investment—with rumors suggesting eligibility could start in the multimillion-dollar range.
“It wasn’t that long ago we thought a heavy credit card “benefit” would really be something people wanted.” Buck Stephens of Credit Card Watch. Buck continues to say “This card would put a new meaning in the phrase American Express as we know it.”
How It Could Work
While details remain unconfirmed, the initiative appears to mirror “golden visa” programs offered in other countries, where investments in real estate or businesses grant residency rights. What sets this apart? Insiders suggest the program could allow applicants to finance the required investment through credit mechanisms, effectively enabling qualified individuals to leverage financial tools to unlock long-term immigration benefits—a feature no traditional credit card, including American Express’s premium offerings, currently provides.
The Role of Digital Innovation
The DOGE team, known for modernizing bureaucratic systems, is reportedly integrating existing immigration verification tools into a user-friendly portal. This digital approach could streamline applications, making the process as seamless as applying for a high-tier credit card online. For context, American Express prioritizes instant approvals and mobile app management—this visa platform may adopt similar convenience-driven tech.
Legal Hurdles and Questions
Experts caution that U.S. immigration law currently caps permanent residency allocations annually, meaning congressional action would be required to implement such a program. However, the mere exploration of this concept signals a potential shift toward investment-based residency models.
Why Credit Card Enthusiasts Should Take Note
While Amex Platinum holders enjoy concierge services and Delta Sky Club access, the Gold Tier Visa concept takes rewards to an entirely new level—offering not just luxury perks, but a potential gateway to citizenship. For affluent travelers and global citizens, this could represent the ultimate lifestyle upgrade: the ability to finance a life-changing opportunity through strategic credit use.
The Bottom Line
As the line between financial products and lifestyle benefits continues to blur, this rumored program underscores how premium offerings are evolving beyond points and miles. While traditional credit cards focus on short-term rewards, the Gold Tier Visa (should it materialize) could cater to those looking to invest in long-term global access—with a price tag that even the wealthiest might charge to their credit line.
We normally put together a list of our favorite credit cards each month and this is what we have come up with from across the web. There are so many offers that it is sometimes hard to decide and because we are one of the only unbiased sites online that does not have affiliate links to offers you can assure we could care less which card you apply for. We just rank these cards in the order that we feel we would want to apply if we had not already had most of these cards and could reapply for them. Let us know if any of the links are broken or if you are having problems with these.
Keep in mind that miles and points are not equal and that each Hotel and Airline are not equal. There are also other factors we look at when weighing programs such as mile bonuses and how many more points we can earn per charge. Always read the small print on these credit card offers to make certain it is the right card for you.
Some recent card changes include The JetBlue American Express card which is being phased out for another program. The Barclays Lufthansa card has dropped the miles bonus so we recommend when it goes back to 50,000 miles. The Bank of America Asiana Miles and the US Bank LifeMiles also need to go back up to better bonus sign-ups before we would consider them again.
Here is the list of the top rated Rewards credit cards right now:
#1 Discover It– Our Favorite Card of 2016 is by far the Discover It Card. Not only is Discover a known pioneer of the credit card industry when it comes to rewards but its DOUBLE cash back offer is the best out there especially when they double your shopping and Apple Pay bonuses. Head here to get a $200 Bonus when you sign up and Double points for a Year.
#2 American Express Cards – American Express has had incredible AMEX offers for their accounts in the past year. Two must have cards are the Discover It card (above) and an American Express in your wallet. AMEX Offers pop-up and save me about a thousand a year. You can get these applied to any AMEX Card. Here are a few AMEX Business and Personal cards we rate the highest:
Spend $3,000 in 3 months. Back down to 35,000 points.One of the top credit card rewards currencies. 35k for the Personal Card and Business Card is only available for a limited time and is the highest offer ever for this card.
75k Points Business Gold Platinum / Gold Rewards
Current offer is : Spend $10,000 in 3 months. Get 75,000 points.
We sometimes see a Possible 100,000 points available for this offer so you may want to wait for that bonus to come around again.
50k Miles (Expires Soon) Delta Airlines
Spend $1,000 in 3 months. Get 50,000 miles.
50k Points Mercedes Benz Platinum
Spend $3,000 in 3 months to get 50,000 Amex Membership Rewards points.
$475 annual fee but comes with benefits like global entry credit and $200 airline credits.
30k Points Everyday AMEX
Spend $2,000 in 3 months to get 30,000 Membership Rewards points. More than the typical offer you will see for this card.
#3 Chase Credit Card Offers:
Free Night Stay at a Holiday Inn or Kimpton or any IHG Hotel you find.
Best Offer is to go to the Southwest Premier link and scroll down to where it says “Not the card for you” and click “More.” That way you will get the same card basically plus 50k points for only $69 instead of the $99 fee. The Plus Card does charge for foreign exchange fees but who uses their Southwest Airlines card for that?
You get 50k points when you spend $2,000 in 3 months.
The Premier Business card will also score you 50k points.
60,000-point Business Premier if you call 1-888-883-2721.
Two highly competitive cards are the Sapphire and the Arrival Card Below:
Sapphire (creditcards.chase.com)
Spend $4,000 in 3 months to get 40,000 points.
These Ultimate Rewards points are highly valuable compared to most card issuers. The Sapphire Preferred card is still the best card to use for travel and restaurant purchases, assuming you don’t have a 3x or 5x card.
Barclays Arrival (FindMyBarclayCard.com)
Spend $3,000 in 3 months to get 40,000 miles.
The Barclay’s Arrival card has great value for non-bonused spending because you can earn 2.22 cents per dollar on everything. This makes it superior to the Sapphire Preferred Card from Chase on non-bonused spend when redeeming for travel purchases.
The American AAdvantage Executive card is back up to 75,000 miles for a limited time.
50k Points Citi Prestige
Spend $3,000 in 3 months and get 50,000 points.
Benefits include a $250 credit per year, but huge $450 annual fee.
60,000-point offer possible if you go into your local branch.
Citibank shows cards you are prequalified for with a tool on their site where you should find this 50k offer. You may be targeted for a 100k point offer that would really be incredible.
If you stay at a hotel for 4 nights you get the 4th night free by calling their travel concierge to book the stay.
50k Points Thank You Premier
Spend $3,000 in 3 months to get 50,000 points.
Similar to the Prestige card but no huge annual fee.
Hot Hotel Card Offers:Free Room at Ramada and Wyndham Hotels with Wyndham from BarclaysCard
15,000 points after first purchase which gets you a FREE night at any of their hotels.
Book any hotel for 15,000 points a night including Ramada hotels!
2 Free Nights Hilton Honors Reserve
Spend $2,500 in 4 months for 2 free weekend nights. Also, the annual fee of $65.
Gold status while you have the card including upgrades, free breakfast, free wifi.
2 Free Nights Ritz Carlton (Marriott)
Spend $3,000 in 3 months to get 2 free nights at any Marriott or Ritz Carlton hotel.
These 2 free nights will cost you at a $395 annual fee but it comes with a travel credit of $300 to use once per year and you can make it add up to $600 in credits if you plan it right.
2 Free Nights Hyatt Hotels
Spend $1,000 in 3 months to get 2 nights, $50, and 5,000 points for adding a user.
80k Points InterContinental Hotel (IHG aka Priority Club)
Spend $1,000 to get a possible 80,000 points plus the small annual fee.
85k Points Club Carlson Premier from US Bank
Spend $2,500 in 90 days to get 85,000 points.
Lot’s of great hotels across the world in beautiful places such as Amsterdam.
You likely do not already have a US Bank Card
2 Free Nights Fairmont Hotel from Chase
Spend $3,000 in 3 months to get 2 nights and breakfast at any Fairmont.
Expensive chain of hotels so the 2 free nights are worth the annual fee!
Up to 80k Points Marriott (Chase)
Spend $2,000 in 3 months to get 50,000 points.
The regular 70,000-point Business link still works plus there are other offers for 40,000 points and $100.
Find targeted 80k point offers by going into a Chase branch or calling.
70k Points Best Western from First Bank of Omaha
First Bank of Omaha offers 4 different card options for this card with up to 70,000 points with one listed.
You have to do some high spending to get the 70k points but you get the annual fee free for the the first year then its $59.
Hilton HHonors has a card from Citibank and American Express. The AMEX Card will get you up to 75k points .
Bank Of America Cards:
25k miles Alaska Airlines
Spend $1 and get 25,000 miles.
Call 1.800.932.2775 and give priority code VACFQ7 if you cannot find a good offer for Alaska Airlines online you can also shop for a flight on their website and see credit card offers listed.
Bank of America cards are easier to churn than other banks meaning you can possibly cancel the card and reapply to get the bonus again.
You can apply for two BOA Alaska Airlines cards at once just by applying with two open browsers at the same time. It will also run on the same credit report inquiry.
$200 Bank Americard Travel Rewards
Spend $1,000 in 90 days to get 20,000 points. Offer is up $100 from its normal offer.
Up to 20k points Amtrak
20,000 and 12,000 points cards offered but limitations on point transfer
Wells Fargo Cards:
40k points Propel
Spend $3,000 in 3 months to get 40,000 points.
Capital One
$500 Bonus Spark Business Card
Spend $4,500 in 3 months to get 50,000 miles or $500 in travel purchases.
Capital One also offers a beautiful green 2% back Spark Business Card with a $500 bonus.
Venture (Personal)
Spend $3,000 in 3 months then get 40,000 miles instead of the normal 20k mile offering.
BMO Harris Bank:
Diners Club Elite (DinersClubUS.com for more information)
3x points at gas station, grocery stores, and pharmacies that can turn into Starwood points.
TD Bank:
25k miles Aeroplan
Spend $1,000 in 3 billing statements to get 25,000 miles.
Not spectacular, but low spend and not the usual issuer.
Comenity Bank:
Virgin America
Airline is expanding but they offer a card that allows you to cancel flights for free even though they barely offer any flights unless you live in their hub San Francisco.
The Virgin America Platinum card has something that we wish all airline credit cards would have which is a cancellation-fee reimbursement. The annual fee is steep but if you fly Virgin America and cancel a lot of flights then this is a great card.
Other cards possibly worth mentioning:
LAN (US Bank)
20,000 miles after first use. Was 25,000 before March 1.
Down from a 40,000-mile offer.
Frontier Airlines (Barclayscard)
Spend $500 in 3 months to get 40,000 miles.
Frontier’s miles expire after 6 months of no activity.
Citibank offers the Expedia card where you can spend $2,000 in 3 months and get 20,000 points.This comes with an annual fee but they offer a 10k card with no fee. Choice Hotels has a card from Barclays and you can see some of their latest hotels here. This could be a good one to own for 4 free stays. Cash Back Cards we wish that had a bigger bonus or any at all are the following:
BarclaysCard NFL Card Offer was great a few years ago when they offered more than a $100 bonus. Let’s hope that bonus goes back up to $500 or so.
