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The More You Know: Credit Cards With Spending Bonuses That Reset On January 1st

Understanding your credit card benefits
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The More You Know: Credit Cards With Spending Bonuses That Reset On January 1st

Understanding your credit card benefits

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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.

Credit Cards With Annual Spending Bonuses
Intercontinental Chicago, Photo Credit Han Chicago

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
  • 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
  • Amex Gold
    • Earn 4X Membership Rewards at U.S. Supermarkets on up to $25,000 in spend each calendar year.
Credit Cards With Annual Spending Bonuses

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
  • 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)

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 10,000 medallion qualifying miles after spending $25,000. You can do this twice per year.
    • Earn a medallion qualifying dollars waiver for silver, gold and platinum status after spending $25,000 in a calendar year
    • Earn a medallion qualifying dollars waiver for diamond after spending $250,000 within a calendar year.
  • Amex Delta Reserve / Amex Delta Reserve Business
    • Earn 15,000 medallion qualifying miles after spending $30,000. You can do this four times per year.
    • Earn a medallion qualifying dollars waiver for silver, gold and platinum status after spending $25,000 in a calendar year
    • Earn a medallion qualifying dollars waiver for diamond after spending $250,000 within a calendar year.
  • Barclaycard AAdvantage Aviator Silver Mastercard
    • Earn 5,000 elite qualifying miles after spending $20,000. You can do that twice per year.
    • Earn 3,000 elite qualifying dollars after spending $50,000 in a calendar year
  • JetBlue Plus / JetBlue Business Card
    • Earn top tier Mosaic status after spending $50,000 on either card within a calendar year
  • Southwest Priority / Premier / Premier Business Card
    • Earn 1,500 tier qualifying miles after spending $10,000 on the card within a calendar year
  • World of Hyatt Business Card

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.

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