What makes this card different is the fact that the categories are places we visit on an almost daily basis and there is no limit on the amount of money you can earn. A 6% bonus is almost unheard of on a credit card. The secret to racking up huge rewards is check for a gift card mall at your local supermarket. You can find hundreds of gift cards to some of your favorite stores and even Mastercard, Visa, and American Express gift cards that when purchased from the grocery store earn you 6% cash back!

There is an annual fee of $75 which is not waived but you can easily wipe that out with the sign up bonus and if you use the gift card technique above to earn extra cash. Do you want a card with a low interest rate? Blue offers 0% on purchases for the first 12 months! After that the rate is determined by your credit score.

Know someone who already has this card? American Express offers a referral bonus of $75.

Ready to sign up? Visit American Express using think link for more details and to apply.

If you are already a member there is an even sweeter deal. Platinum members get the above two free nights plus two suite upgrades. Current Diamond members get 2 free nights in a suite. Chase does charge an annual fee of $75 which is offset by the statement credit.

Additional benefits:

Earn three Gold Passport reward points for every dollar you spend at a Hyatt hotel and one point per dollar spent anywhere else. This card also has Smart Chip technology which is used overseas, namely the UK. This chip creates an extra level of security by making the user enter a PIN number like a debit card when using the card. It also creates Worldwide acceptance because some machines in Europe only accept card that have a smart technology. One of the most valuable features from Chase is no foreign transaction fees. Typically most credit card companies charge a 3% fee when you use your card out of the United States. For those who travel internationally frequently this benefit could save you hundreds of dollars. Especially when paying for some of Hyatt’s pricy hotels.

More benefits include free elite Passport Gold status with Hyatt as long as you have the card and a one free night certificate at any category 1-4 hotel. This essentially pays for the annual fee every year.

Additional terms:

• Free night certificates will post to your Passport account within 10 days of first purchase. This does not include any balance transfers, ATM cash withdrawals, or check writing. You need to go swipe your card somewhere.
• Offer is valid for first time card members. Chase reserves the right to remove the free night certificates if your account is not open for at least 3 months.

This is a great card with some of the best hotel benefits out there. Visit the Hyatt website here to apply and learn more.

Pay Over Time Benefits:

There is no fee to use Pay Over Time but they will charge interest on the purchase since it was not paid in full by the due date. This allows you to use one card for everything instead of splitting up large purchases on separate cards or using another company altogether. A big benefit of Pay Over Time is the additional features that come with using an American Express card like purchase protection, lost luggage protection, trip insurance, etc. You can still get those benefits and pay for your trip over a period of time.

Offer terms:

Only certain AMX cards are eligible, my business gold card was not. You can log in using the link below and American Express will advise you if your card is eligible. You must enroll by June 30th 2012 to get the 10k bonus points. Only one bonus is allowed per account. Sign up using bonus id 7907/7775. Membership Rewards points will be credited to your account within 6 to 8 weeks after enrollment.

Visit American Express here for full details and to apply for the Pay Over Time service.

Offer terms:

There is a somewhat hefty spending requirement for this card to get the full bonus. Chase will deposit 50,000 miles after your very first purchase however to get 25k more miles you have spend at least 10k within the first year. To earn the final 25k miles you have to spend an additional 10,000 bringing the total spend requirement to 20k in the first year. That may seem like a lot but check out a few of our other articles like how to pay taxes with your credit card or using Amazon payments. There are many ways to create extra “spend” without having to use your own money.

This is a Visa Signature card which offers tons of extra benefits. You earn 2.5 Avios for every dollar spent on British Airways purchases and 1.25 Avios per dollar on any other purchase. Balance transfers and cash advances do not earn miles. There is an annual fee of $95 that is not waived for the first year so the offer does require a small initial investment. Some other card benefits essentially pay for the annual fee. Bonus Avios miles will be deposited into your account within 6-8 weeks after you meet each requirement.

Additional benefits:

Pay no foreign transaction fees when you use your BA card overseas! This is a big plus for me. Typically credit card companies charge a 3% fee for every dollar you charge while out of the country. This can add up rather quickly if you travel a lot. I save almost $1000 a year in fees just for carrying this card and earn miles at the same time.

Smart chip technology, this is the only card from a United States issuer that has a smart chip embedded in it. That means this card is more secure than most and can be used more in Europe and other countries that require you to enter a PIN when using a credit card.

Travel together ticket If you spend 30k or more per year on your British Airways card Chase will send you a free companion voucher which is good for a two year period. This is an amazing feature that lets you bring someone for free on your next award trip. There are no cabin or location requirements. Lets say you book an award ticket from the US to Asia in business or first class. Your companion will fly in the exact same class as you for free! Visit ba.com/traveltogetherticket for more details on the Travel Together Ticket.

This is an amazing offer from Chase and will not last long. Visit this link for full details and to apply.

Explorer card benefits:

I have this card and it is my preferred airline card because it gives me two United Club passes every year (worth $100). Lounge access is important for those who fly a lot and have long layovers, or if you just want to grab a quick beer before your next flight. There is a $95 annual fee for this card but the club passes essentially cancel that out (especially for those who drink a lot). The annual fee is waived for the first year.

Checked bag fee waiver on any United operate flight for you and your companion.  Each checked bag is about $25 each way which is a huge savings even for one flight.

Priority boarding- board before the general population and secure overhead bin space! Due to the above mentioned baggage fees people are now carrying on more baggage than ever so it can be quite difficult to find overhead bin space if you are at the end of the boarding line.

Earn 2 miles for every $1 spent on United purchases and 1 mile per dollar on any other purchase.

Use miles for any seat on any United flight which is only a benefit for card members and Elite status members.

Additional information and offer terms:

Chase will deposit 50,000 miles into your United MileagePlus within 6-8 weeks after making your first purchase. (The miles usually post on your next statement). Earn an additional 10,000 miles after you spend at least $25,000 on the card every year.

Club pass terms: Allow 8-10 weeks after sign-up to receive your first set of passes and 2-4 weeks after each anniversary date.

This offer is valid for new MileagePlus Explorer card members. You must keep your account open at least 6 months or Chase reserves the right to retract the bonus miles.

Ready to apply:

Visit United at http://www.TheExplorerCard.com/60Bonus and it will ask you to log into your mileage plus account. Once you log in it will display the 60,000 offer. If you do not currently have an account create one, they are free. If you do not log in you will only see the regular 40k offer.

Slate has no annual fee so you don’t have to worry about paying your card of and closing it before the fee hits and comes with a nice feature from Chase called “Blueprint”. Blueprint is different because it helps you to get out of debt faster. You have four different ways to “categorize” each purchase based on when you want to pay it off. “Full Pay” lets you pay off the purchase in full to avoid paying any interest. “Split” allows you to pay off a large purchase and set it the pay off date by a certain month or amount. “Finish it” helps you pay off your balance faster. Chase does the math and presents you with an option that works based on your individual needs. “Track It” helps you analyze your purchases and see how well your budgeting. Visit Blueprint for more details.

All in all this is a great little card to help you budget and offers you unique solutions to help get out of debt all with a great APR for 15 months. Visit Chase Slate to apply or to learn more.

You normally see applications for this card at booths outside of football stadiums with cheesy sign-up offers like a free towel, mug, or shirts. They prey on the unsuspecting (usually inebriated) fan to sign up for another credit card for a small gift so this $200 bonus is a nice surprise. This incentive wont last long so apply today before it expires. The NFL Extra Points credit card is issued by Barclays and gives you 1% cash back option on all of your purchases. 20,000 bonus points will be deposited into your account within 3o days of making your first balance transfer or purchase with your new card. Cash advances and checks used to access your account do not count for this promotion.

This offer is valid for first time NFL cardholders and Barclays has a nice disclosure attached that says if you happen to open another account and get two or more incentives they may revoke the bonus points at any time or charge your account for the “fair value” of the bonus. Extra Points will expire if you have no activity in a four year period.

As stated earlier Barclays give you 1 point for every dollar you spend with your card. You can redeem those points for NFL merchandise for your favorite team, unique fan experiences, gift cards, or statement credit once you earn $25. You also get 20% off all of your NFL website purchases.

Visit the Extra Points Visa website here for full details and to apply.

Discover is typically not one of the primary banks you think of when you think good credit card offers, but this changes the game. Many have made thousands of interest free cash simply by depositing this “free” money into high interest checking accounts or investing wisely with the money. The choice is yours, but act quickly before Discover pulls this offer. The standard offer for this card comes with a 3% BT transfer fee.

Additional benefits:

• Earn up to 5% cash back on purchases. Discover has rotating quarterly rotating bonus categories that pay a pretty penny.
• Earn 1% cash back on any other regular purchase (the first $3,000 you spend yearly only earns .25%).
•  Choose from more than 100 card designs.
• Auto rental insurance.

Additional information:

• Balance transfer must post to your account by July 10th to receive it fee free. After that, the standard 3% will apply.
• Discover More card has no annual fee.
• Do not use this card for purchases if you plan to take advantage of the balance transfer. If you choose to, make sure you understand the payment allocation.
• Never be late. If your payment is even 1 day late Discover may reserve the right to end your promotional rate.

Visit the Discover website here to apply and for more details.

Spirit is definitely one of the “no frills” airlines but during this tough economic time many welcome the approach. I personally love them because they fly nonstop from DFW to Vegas and are even lower than Southwest. This card also gives you more miles than most airline cards – 2 miles per dollar spent on every purchase versus 1 mile on other cards. Get preferred boarding as well as domestic priority check in as a card member. Pay no annual fee for the first year and there is no limit to the amount of miles you can earn per year. After the first year, the annual fee for World MasterCard accounts is $59 and $19 for Platinum Plus cards.

If you are able to spend at least $10,000 in purchases every year Spirit will also give you an extra 5,000 bonus miles. That can seem like a hefty amount of spending but check out Amazon payments and some of the other payment processing sites out there to rack up those free miles.

Additional terms:

• 15,000 bonus miles will be deposited into your Spirit account on the close of your billing cycle that you made the first purchase on.
• 5,000 anniversary miles are posted within 4 to 6 weeks after the first full year of card membership.
• You have to be an active member of the Free Spirit Miles program in order to use the miles. Which means, you must use your card at least once per month.
• Award travel is subject to fees,taxes, etc.

Check out the Bank Of America/FIA website here to learn more and apply.

What also makes this offer different is the fact that it is extremely easy to meet the incentive requirements. Chase will deposit 50,000 miles into your account after your very first use of the card! No outrageous spend requirements like other cards out there. Chase considers “first use” as any purchases, balance transfers, or checks written from your account. The remaining 10,000 miles can be a little tricky for most. In order to get the rest you must spend at least $25,000 on the card annually.

Additional card benefits:

The Mileage Plus Explorer card also has tons of extra perks. The first year is fee free (after the 1st year the annual fee is $95). You can check your first bag for free on any United or Continental flight. Get two free Club Passes every year. The United Club offers you amazing lounge access with drinks, snacks, and wifi during those long layovers. You also earn 1 MileagePlus mile for every dollar you spend and 2 miles for every dollar spent on United & Continental purchases. One of the important benefits for me personally is the fact that I get priority boarding. No more dreading being in the last group to board the plane and fighting for overhead bin space.

Additional terms:

Chase will deposit the bonus miles with 6-8 weeks after you meet the above spend requirements. 2 United Club passes will also be mailed within 6-8 weeks after you open the account and 2-4 weeks after each anniversary. MileagePlus miles do not expire as long as you have some type of activity on your credit card. This offer is valid only for first time Chase United credit card holders.

How to apply?

You must have a mileage plus account set up in order to see this offer. If you do not have an account visit www.united.com to create one for free. Once you are logged into your MileagePlus account visit this link to see the 60k offer. If you are not logged in you will only see a 40k offer. Apply today before this offer expires!