Credit Cards With Annual Spending Bonuses
I meant to get this out last week but time got away from me. I wanted to put together a list of credit cards with annual spending bonuses so you can easily check this list and set your yearly spending goals. I'll focus on things that I think offer value and not a comprehensive list, sorry Hilton Diamond status you just aren't worth spending for. This will include some status opportunities, free night certificates and bonus points. Let's dive into it!
Cards That Have Annual Free Night Certificate Spending Bonuses
Here are the cards that can earn a free night certificate via spend each year. At least the ones that are worth pursuing.
- World of Hyatt Credit Card
- A category 1-4 free night certificate after spending $15,000 in a calendar year
- American Express Hilton Surpass
- A Hilton free night certificate after spending $15,000 in a calendar year
- Marriott Bonvoy Bevy
- Earn a free night certificate worth up to 50,000 points after spending $15,000 in a calendar year
- American Express Aspire
- Earn a free night after spending $30,000 in a calendar year and a second after spending $60,000.
Cards That Have Bonus Point Spending Bonuses
Here are some cards that will give you bonus points if you hit a certain spending threshold each calendar year.
- IHG Rewards Premier Card
- Earn 10,000 bonus points after spending $20,000 in a calendar year
- Citibank AT&T Access More
- Earn 10,000 ThankYou points after spending $10,000 in a calendar year
- Choice Privileges Visa Signature Card
- Earn 8,000 bonus points after spending $10,000 in a calendar year
Cards That Have A Yearly Bonus Earning Cap Reset
These cards had bonus earning caps that resent each time the calendar hits January 1st.
- Amex Blue Business Plus
- Earn 2X Membership Rewards on your first $50,000 in spend each calendar year.
- Amex Blue Cash Preferred
- Earn 6% back at U.S. Supermarkets on up to $6,000 in spend each calendar year.
- Amex Everyday Preferred
- Earn 3X Membership Rewards at U.S. Supermarkets on up to $6,000 in spend each calendar year.
- Earn 50% more (4.5X) any month where you have 30 or more transactions
- Earn 3X Membership Rewards at U.S. Supermarkets on up to $6,000 in spend each calendar year.
- Amex Business Gold
- Earn 4X Membership Rewards on your top two categories each month, up to $150,000 per year cumulatively each calendar year.
- Airfare purchased directly from the airlines
- US purchases on:
- Online, TV, and radio advertising
- Computer hardware, software, and cloud systems purchased from select technology providers
- Gas stations
- Restaurants (including takeout and delivery)
- Shipping
- Earn 4X Membership Rewards on your top two categories each month, up to $150,000 per year cumulatively each calendar year.
- Amex Gold
- Earn 4X Membership Rewards at U.S. Supermarkets on up to $25,000 in spend each calendar year.
Cards That Earn Extra Perks After Reaching Spending Bonuses
These cards offer extra perks or freebies, outside of bonus points, if you spend a certain amount each year.
- British Airways / Aer Lingus / Iberia Airways Cards
- Earn an economy companion certificate after spending $30,000 in a calendar year
- Atmos Rewards Summit Visa
- Earn a Global 100K Companion Award every year you spend 60,000 or more on purchases in a cardmember anniversary year.
- Virgin Red Rewards Mastercard
- Select a perk once you reach $15,000 and $30,000 on the card within a cardmember year
- Barclaycard AAdvantage Aviator Business Mastercard
- Earn a companion certificate good for one guest at $99 plus taxes & fees after spending $30,000 in a calendar year
- CitiBusiness AAdvantage Platinum Select Mastercard
- Earn a companion certificate good for one guest at $99 plus taxes & fees after spending $30,000 in a calendar year (must keep your card open for 45 days after your anniversary date to get it)
- Citi AAdvantage Platinum Select Mastercard
- Earn a $125 American Airlines Flight Discount certificate after you spend $20,000 during your credit cardmembership year
- Chase Sapphire Reserve
- Customers who spend $75,000+ per year get the following perks
- $500 Southwest credit, but must be booked through Chase Travel
- IHG Diamond Elite Status
- Southwest Airlines A-List status
- $250 to spend at The Shops at Chase
- Customers who spend $75,000+ per year get the following perks
- Chase Sapphire Reserve For Business
- Customers who spend $120,000+ per year get the following perks
- $500 Southwest credit, but must be booked through Chase Travel
- IHG Diamond Elite Status
- Southwest Airlines A-List status
- $500 to spend at The Shops at Chase
- Customers who spend $120,000+ per year get the following perks
Cards That Earn Status Credits Or Perks Via Spend
These cards will help you in your endless hamster wheel run towards status for particular brands.
- Amex Delta Platinum / Amex Delta Platinum Business
- Earn $1 Medallion(R) Qualification Dollar for each $20 of purchases made on your card
- Amex Delta Reserve / Amex Delta Reserve Business
- Earn 1 MQD per $10 in card spend.
- Barclaycard AAdvantage Aviator Silver Mastercard
- Earn 5,000 loyalty points after spending $20,000. You can do that twice per status year.
- Earn 5,000 loyalty points after spending $50,000 in a status year
- For a total of 15,000 loyalty points after $50,000 in spend in a year
- Various American Airlines Cards
- 1 loyalty point per $1 of spend
- Atmos Rewards Summit Visa
- Earn 1 status point for every $2 spent on purchases.
- JetBlue Plus / JetBlue Business Card
- Earn 1 Mosaic Tile for every $1,000 in spend
- United Credit Cards
- United Explorer
- Earn 25 PQP for every $500 you spend on purchases with your Explorer Card. You can earn up to 1,000 PQP in a calendar year.
- United Quest
- Earn 1 PQP for every $20 you spend on purchases with your card. You can earn up to 18,000 PQP per calendar year.
- United Club
- Earn 1 Premier® Qualifying Point (PQP) for every $15 spent on purchases with your ClubSM Card, up to 28,000 PQP per year.
- United Business Card
- Earn 1 Premier Qualifying Points (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP in a calendar year.
- United Explorer
- Southwest Priority / Premier / Premier Business Card
- Earn 1,500 tier qualifying miles every $5,000 spent on the card annually
- World of Hyatt Business Card
- Earn 5 elite night credits for every $10,000 spent. This resets on January 1st each year unlike the personal World of Hyatt card.
- World of Hyatt Credit Card
- Earn 2 elite night credits for every $5000 spent.
Credit Cards With Annual Spending Bonuses: ToP Thoughts
Let me know if anything is missing over in the ToP Facebook Group or on Twitter. I think that I hit all of the important ones, and ones that are worth pursuing. This is similar to us telling you to sweat the small stuff when it comes to credit card perks, the same could be said for credit cards with annual spending bonuses. Knowing when your earning caps reset can earn you a ton more points and also play a role in when you should apply for cards.
