The math behind your stack.

62 cards · click any row for the full breakdown · updated Jun 22, 2026

⚡ What movedSpark Cash Select$750 cash back· 4d ago Sapphire Preferred100,000 URATH· 1w ago Sapphire Reserve100,000 UR· 1w ago Savor$250 cash back· 2w ago Delta SkyMiles Gold90,000 DeltaATH· 3w ago Delta SkyMiles Gold Business90,000 DeltaATH· 3w ago

I mostly wantand can put about$per month on the card/mo

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Platinumamex

AF $895⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 175,000 MR after $12,000 / 180d · Source ↗

↳ Amex shows your exact welcome offer only once you apply, and it varies by applicant — the advertised ceiling is 175,000 points, but you may be offered less. Shopping the link / CardMatch can surface a higher tier.

Year 1

$3,724

net of AF

Return

22%

on $12k

Score

Apply

$3,724Y1

22%return

Score

See the mathApply

Sapphire Reservechase

AF $795⚡ ALL-TIME HIGH★ Keeper

REFERRAL

SUB: 150,000 UR after $6,000 / 90d · Source ↗

↳ Apply through an existing cardholder's referral link (the referrer earns a bonus too). Referral offers rotate.

Year 1

$3,034

net of AF

Return

38%

on $6k

Score

Apply

$3,034Y1

38%return

Score

See the mathApply

IN-BRANCH

SUB: 125,000 UR after $6,000 / 90d · Source ↗

↳ Open the application with a banker at a Chase branch.

Year 1

$2,659

net of AF

Return

31%

on $6k

Score

Apply

$2,659Y1

31%return

Score

See the mathApply

PUBLIC

SUB: 100,000 UR after $6,000 / 90d · Source ↗

Year 1

$2,284

net of AF

Return

25%

on $6k

Score

Apply

$2,284Y1

25%return

Score

See the mathApply

Platinum for Morgan Stanleyamex

AF $895⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 150,000 MR after $12,000 / 180d · Source ↗

Year 1

$3,349

net of AF

Return

19%

on $12k

Score

Apply

$3,349Y1

19%return

Score

See the mathApply

PUBLICNLL

SUB: 80,000 MR after $8,000 / 180d · Source ↗

Year 1

$2,299

net of AF

Return

15%

on $8k

Score

Apply

$2,299Y1

15%return

Score

See the mathApply

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Adds 5/24 + cooldown checks · flags benefits you already own · scales by your monthly spend

Platinum for Schwabamex

AF $895⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 150,000 MR after $12,000 / 180d · Source ↗

Year 1

$3,349

net of AF

Return

19%

on $12k

Score

Apply

$3,349Y1

19%return

Score

See the mathApply

PUBLICNLL

SUB: 80,000 MR after $8,000 / 180d · Source ↗

Year 1

$2,299

net of AF

Return

15%

on $8k

Score

Apply

$2,299Y1

15%return

Score

See the mathApply

Sapphire Preferredchase

AF $95⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 100,000 UR after $5,000 / 90d · Source ↗

Year 1

$1,686

net of AF

Return

30%

on $5k

Score

Apply

$1,686Y1

30%return

Score

See the mathApply

Ink Business Cashchase

No AF0% APR · 12moBUSINESS⚡ ALL-TIME HIGH

PUBLIC

SUB: 100,000 UR after $8,000 / 120d · Source ↗

Year 1

$1,500

net of AF

Return

19%

on $8k

Score

Apply

$1,500Y1

19%return

Score

See the mathApply

Ink Business Unlimitedchase

No AF0% APR · 12moBUSINESS⚡ ALL-TIME HIGH

PUBLIC

SUB: 100,000 UR after $8,000 / 120d · Source ↗

Year 1

$1,500

net of AF

Return

19%

on $8k

Score

Apply

$1,500Y1

19%return

Score

See the mathApply

IHG One Rewards Premierchase

AF $99⚡ ALL-TIME HIGH★ Keeper

PUBLIC

Tier 1+2 (full)

SUB: 185,000 IHG after $6,000 / 180d · Source ↗

Year 1

$1,335

net of AF

Return

18%

on $6k

Score

Apply

$1,335Y1

18%return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 150,000 IHG after $3,000 / 90d · Source ↗

Year 1

$1,128

net of AF

Return

30%

on $3k

Score

Apply

$1,128Y1

30%return

Score

See the mathApply

Marriott Bonvoy Boundlesschase

AF $95★ Keeper

PUBLIC

SUB: 125,000 Marriott + free night after $3,000 / 90d · Source ↗

Year 1

$1,586

net of AF

Return

45%

on $3k

Score

Apply

$1,586Y1

45%return

Score

See the mathApply

Hilton Honorsamex

No AF⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 100,000 Hilton + $100 credit after $2,000 / 180d · Source ↗

Year 1

$525

net of AF

Return

26%

on $2k

Score

Apply

$525Y1

26%return

Score

See the mathApply

PUBLIC

SUB: 80,000 Hilton after $2,000 / 180d · Source ↗

Year 1

$343

net of AF

Return

16%

on $2k

Score

Apply

$343Y1

16%return

Score

See the mathApply

United Gatewaychase

No AF0% APR · 12mo⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 30,000 United after $1,000 / 90d · Source ↗

↳ Adds 10,000 bonus miles when you add an authorized user in the first 3 months — not counted in the score above.

Year 1

$405

net of AF

Return

39%

on $1k

Score

Apply

$405Y1

39%return

Score

See the mathApply

Prime Visachase

No AF

PUBLIC

SUB: $200 Cashback after No spend required · Source ↗

↳ Requires an active Amazon Prime membership. Prime Day 2026 promotional offer.

Year 1

$200

net of AF

Return

No spend required

Score

Apply

$200Y1

return

Score

See the mathApply

PUBLIC

SUB: $150 Cashback after No spend required · Source ↗

↳ Requires an active Amazon Prime membership.

Year 1

$150

net of AF

Return

No spend required

Score

Apply

$150Y1

return

Score

See the mathApply

Venture Xcapitalone

AF $395★ Keeper

PUBLIC

SUB: 75,000 Capital One Miles after $4,000 / 90d · Source ↗

Year 1

$1,374

net of AF

Return

27%

on $4k

Score

Apply

$1,374Y1

27%return

Score

See the mathApply

Blue Business Cashamex

No AF0% APR · 12moBUSINESS⚡ ALL-TIME HIGH

TARGETED · MAILERNLL

SUB: $750 Cashback after $6,000 / 90d · Source ↗

↳ Elevated no-lifetime-language offer that surfaces via a specific link and comes and goes; YMMV.

Year 1

$750

net of AF

Return

13%

on $6k

Score

Apply

$750Y1

13%return

Score

See the mathApply

PUBLIC

SUB: $250 Cashback after $3,000 / 90d · Source ↗

Year 1

$250

net of AF

Return

on $3k

Score

Apply

$250Y1

8%return

Score

See the mathApply

IHG One Rewards Premier Business card art

IHG One Rewards Premier Businesschase

AF $99BUSINESS★ Keeper

PUBLICNLL

SUB: 140,000 IHG after $4,000 / 90d · Source ↗

Year 1

$1,069

net of AF

Return

21%

on $4k

Score

Apply

$1,069Y1

21%return

Score

See the mathApply

United Businesschase

AF $150BUSINESS★ Keeper

PUBLIC

SUB: 100,000 United after $5,000 / 90d · Source ↗

↳ Also earns 2,000 PQP toward MileagePlus status, plus 10,000 bonus miles for adding an employee card in the first 3 months (neither counted in the score above).

Year 1

$1,417

net of AF

Return

26%

on $5k

Score

Apply

$1,417Y1

26%return

Score

See the mathApply

Freedom Unlimitedchase

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 UR after $500 / 90d · Source ↗

Year 1

$300

net of AF

Return

60%

on $1k

Score

Apply

$300Y1

60%return

Score

See the mathApply

Hilton Honors Aspireamex

AF $550★ Keeper

PUBLIC

SUB: 175,000 Hilton after $6,000 / 180d · Source ↗

Year 1

$1,277

net of AF

Return

12%

on $6k

Score

Apply

$1,277Y1

12%return

Score

See the mathApply

PUBLIC

SUB: 150,000 Hilton after $6,000 / 180d · Source ↗

Year 1

$1,175

net of AF

Return

10%

on $6k

Score

Apply

$1,175Y1

10%return

Score

See the mathApply

Savorcapitalone

No AF0% APR · 12mo

PUBLIC

SUB: $250 Cashback after $500 / 90d · Source ↗

Year 1

$250

net of AF

Return

50%

on $1k

Score

Apply

$250Y1

50%return

Score

See the mathApply

Marriott Bonvoy Businessamex

AF $125BUSINESS★ Keeper

PUBLIC

SUB: 150,000 Marriott + $125 credit after $8,000 / 180d · Source ↗

Year 1

$1,462

net of AF

Return

16%

on $8k

Score

Apply

$1,462Y1

16%return

Score

See the mathApply

PUBLIC

SUB: 125,000 Marriott after $8,000 / 180d · Source ↗

Year 1

$1,144

net of AF

Return

12%

on $8k

Score

Apply

$1,144Y1

12%return

Score

See the mathApply

Freedom Flexchase

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 UR after $500 / 90d · Source ↗

Year 1

$300

net of AF

Return

60%

on $1k

Score

Apply

$300Y1

60%return

Score

See the mathApply

AAdvantage Platinum Selectciti

AF $0 → $99⚡ ALL-TIME HIGH

PUBLIC

SUB: 80,000 AA after $3,500 / 120d · Source ↗

Year 1

$1,187

net of AF

Return

32%

on $4k

Score

Apply

$1,187Y1

32%return

Score

See the mathApply

TARGETED · MAILER

SUB: 80,000 AA after $1,000 / 90d · Source ↗

↳ A targeted version (in-flight or mailer) with a lower spend requirement — not available to everyone (YMMV).

Year 1

$1,187

net of AF

Return

112%

on $1k

Score

Apply

$1,187Y1

112%return

Score

See the mathApply

IHG One Rewards Travelerchase

No AF★ Keeper

PUBLIC

Tier 1 only

SUB: 90,000 IHG after $2,000 / 90d · Source ↗

Year 1

$585

net of AF

Return

27%

on $2k

Score

Apply

$585Y1

27%return

Score

See the mathApply

PUBLIC

Tier 1+2 (full)

SUB: 125,000 IHG after $4,000 / 180d · Source ↗

Year 1

$792

net of AF

Return

18%

on $4k

Score

Apply

$792Y1

18%return

Score

See the mathApply

Marriott Bonvoy Brilliantamex

AF $650★ Keeper

PUBLIC

Tier 1+2 (full)

SUB: 150,000 Marriott after $8,000 / 180d · Source ↗

Year 1

$1,639

net of AF

Return

14%

on $8k

Score

Apply

$1,639Y1

14%return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 100,000 Marriott after $6,000 / 180d · Source ↗

Year 1

$1,254

net of AF

Return

13%

on $6k

Score

Apply

$1,254Y1

13%return

Score

See the mathApply

Quicksilvercapitalone

No AF0% APR · 15mo

PUBLIC

SUB: $200 Cashback after $500 / 90d · Source ↗

Year 1

$200

net of AF

Return

40%

on $1k

Score

Apply

$200Y1

40%return

Score

See the mathApply

Southwest Rapid Rewards Priority card art

Southwest Rapid Rewards Prioritychase

AF $229

PUBLIC

SUB: 90,000 Southwest after $3,000 / 90d · Source ↗

Year 1

$1,070

net of AF

Return

39%

on $3k

Score

Apply

$1,070Y1

39%return

Score

See the mathApply

United Explorerchase

AF $0 → $150★ Keeper

PUBLIC

SUB: 50,000 United after $3,000 / 90d · Source ↗

↳ Adds 10,000 bonus miles if you also add an authorized user in the first 3 months — not counted in the score above, since it needs the extra step.

Year 1

$931

net of AF

Return

22%

on $3k

Score

Apply

$931Y1

22%return

Score

See the mathApply

VentureOnecapitalone

No AF0% APR · 15mo

PUBLIC

SUB: 20,000 Capital One Miles after $500 / 90d · Source ↗

Year 1

$290

net of AF

Return

58%

on $1k

Score

Apply

$290Y1

58%return

Score

See the mathApply

Delta SkyMiles Reserveamex

AF $650⚡ ALL-TIME HIGH★ Keeper

PUBLIC

Tier 1+2 (full)

SUB: 125,000 Delta after $9,000 / 180d · Source ↗

Year 1

$1,509

net of AF

Return

15%

on $9k

Score

Apply

$1,509Y1

15%return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 100,000 Delta after $6,000 / 180d · Source ↗

Year 1

$1,234

net of AF

Return

18%

on $6k

Score

Apply

$1,234Y1

18%return

Score

See the mathApply

PUBLIC

SUB: 70,000 Delta after $5,000 / 180d · Source ↗

Year 1

$904

net of AF

Return

15%

on $5k

Score

Apply

$904Y1

15%return

Score

See the mathApply

Goldamex

AF $325⚡ ALL-TIME HIGH

PUBLIC

SUB: 100,000 MR after $8,000 / 180d · Source ↗

↳ Amex shows this as “as high as 100,000” after $8k/6mo — welcome offers vary; you may not be eligible for the full amount.

Year 1

$1,405

net of AF

Return

19%

on $8k

Score

Apply

$1,405Y1

19%return

Score

See the mathApply

Southwest Rapid Rewards Premier card art

Southwest Rapid Rewards Premierchase

AF $149

PUBLIC

SUB: 85,000 Southwest after $2,000 / 90d · Source ↗

Year 1

$1,066

net of AF

Return

55%

on $2k

Score

Apply

$1,066Y1

55%return

Score

See the mathApply

Southwest Rapid Rewards Pluschase

AF $99

PUBLIC

SUB: 80,000 Southwest after $1,000 / 90d · Source ↗

Year 1

$1,012

net of AF

Return

104%

on $1k

Score

Apply

$1,012Y1

104%return

Score

See the mathApply

Delta SkyMiles Goldamex

AF $0 → $150⚡ ALL-TIME HIGH

PUBLIC

Tier 1+2 (full)

SUB: 90,000 Delta after $5,000 / 180d · Source ↗

Year 1

$1,072

net of AF

Return

20%

on $5k

Score

Apply

$1,072Y1

20%return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 70,000 Delta after $3,000 / 180d · Source ↗

Year 1

$852

net of AF

Return

26%

on $3k

Score

Apply

$852Y1

26%return

Score

See the mathApply

PUBLIC

SUB: 50,000 Delta after $2,000 / 180d · Source ↗

Year 1

$632

net of AF

Return

28%

on $2k

Score

Apply

$632Y1

28%return

Score

See the mathApply

Delta SkyMiles Platinumamex

AF $350⚡ ALL-TIME HIGH★ Keeper

PUBLIC

Tier 1+2 (full)

SUB: 100,000 Delta after $6,000 / 180d · Source ↗

Year 1

$1,119

net of AF

Return

18%

on $6k

Score

Apply

$1,119Y1

18%return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 80,000 Delta after $4,000 / 180d · Source ↗

Year 1

$899

net of AF

Return

22%

on $4k

Score

Apply

$899Y1

22%return

Score

See the mathApply

PUBLIC

SUB: 60,000 Delta after $3,000 / 180d · Source ↗

Year 1

$679

net of AF

Return

22%

on $3k

Score

Apply

$679Y1

22%return

Score

See the mathApply

Aeroplanchase

AF $95

PUBLIC

SUB: 75,000 Aeroplan after $4,000 / 90d · Source ↗

Year 1

$1,038

net of AF

Return

26%

on $4k

Score

Apply

$1,038Y1

26%return

Score

See the mathApply

Venturecapitalone

AF $95

PUBLIC

SUB: 75,000 Capital One Miles after $4,000 / 90d · Source ↗

Year 1

$1,038

net of AF

Return

27%

on $4k

Score

Apply

$1,038Y1

27%return

Score

See the mathApply

World of Hyattchase

AF $95★ Keeper

PUBLIC

Tier 1 only

SUB: 30,000 Hyatt after $3,000 / 90d · Source ↗

Year 1

$690

net of AF

Return

17%

on $3k

Score

Apply

$690Y1

17%return

Score

See the mathApply

PUBLIC

Tier 1+2 (full)

SUB: 60,000 Hyatt after $15,000 / 180d · Source ↗

↳ 30k more via 2x on up to $15k in 6 months

Year 1

$1,200

net of AF

Return

on $15k

Score

Apply

$1,200Y1

7%return

Score

See the mathApply

Blue Cash Everydayamex

No AF0% APR · 15mo★ Keeper

PUBLIC

SUB: $200 Cashback after $2,000 / 180d · Source ↗

Year 1

$234

net of AF

Return

10%

on $2k

Score

Apply

$234Y1

10%return

Score

See the mathApply

Delta SkyMiles Gold Businessamex

AF $0 → $150BUSINESS⚡ ALL-TIME HIGH

PUBLIC

SUB: 90,000 Delta after $6,000 / 180d · Source ↗

Year 1

$1,087

net of AF

Return

17%

on $6k

Score

Apply

$1,087Y1

17%return

Score

See the mathApply

PUBLIC

SUB: 60,000 Delta after $4,000 / 180d · Source ↗

Year 1

$757

net of AF

Return

17%

on $4k

Score

Apply

$757Y1

17%return

Score

See the mathApply

Delta SkyMiles Platinum Business card art

Delta SkyMiles Platinum Businessamex

AF $350BUSINESS⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 100,000 Delta after $8,000 / 180d · Source ↗

Year 1

$1,134

net of AF

Return

14%

on $8k

Score

Apply

$1,134Y1

14%return

Score

See the mathApply

PUBLIC

SUB: 70,000 Delta after $6,000 / 180d · Source ↗

Year 1

$804

net of AF

Return

13%

on $6k

Score

Apply

$804Y1

13%return

Score

See the mathApply

CAP ONE

Spark Cash Selectcapitalone

No AFBUSINESS

PUBLICNLL

SUB: $750 Cashback after $6,000 / 90d · Source ↗

Year 1

$750

net of AF

Return

13%

on $6k

Score

Apply

$750Y1

13%return

Score

See the mathApply

United Club Infinitechase

AF $695★ Keeper

PUBLIC

SUB: 80,000 United after $5,000 / 90d · Source ↗

↳ Adds 10,000 bonus miles when you add an authorized user in the first 3 months — not counted in the score above.

Year 1

$1,123

net of AF

Return

21%

on $5k

Score

Apply

$1,123Y1

21%return

Score

See the mathApply

World of Hyatt Businesschase

AF $199BUSINESS

PUBLIC

SUB: 60,000 Hyatt after $5,000 / 90d · Source ↗

Year 1

$982

net of AF

Return

20%

on $5k

Score

Apply

$982Y1

20%return

Score

See the mathApply

Hilton Honors Surpassamex

AF $0 → $150★ Keeper

PUBLIC

SUB: 130,000 Hilton after $3,000 / 180d · Source ↗

Year 1

$713

net of AF

Return

18%

on $3k

Score

Apply

$713Y1

18%return

Score

See the mathApply

Delta SkyMiles Reserve Business card art

Delta SkyMiles Reserve Businessamex

AF $650BUSINESS⚡ ALL-TIME HIGH★ Keeper

PUBLIC

SUB: 125,000 Delta after $15,000 / 180d · Source ↗

Year 1

$1,649

net of AF

Return

on $15k

Score

Apply

$1,649Y1

9%return

Score

See the mathApply

PUBLIC

SUB: 80,000 Delta after $12,000 / 180d · Source ↗

Year 1

$1,154

net of AF

Return

on $12k

Score

Apply

$1,154Y1

7%return

Score

See the mathApply

United Questchase

AF $350★ Keeper

PUBLIC

SUB: 60,000 United after $4,000 / 90d · Source ↗

↳ Also earns 500 PQP toward MileagePlus status, plus 10,000 bonus miles for adding an authorized user in the first 3 months (neither counted in the score above).

Year 1

$873

net of AF

Return

20%

on $4k

Score

Apply

$873Y1

20%return

Score

See the mathApply

Greenamex

AF $150

PUBLIC

SUB: 40,000 MR after $3,000 / 180d · Source ↗

Year 1

$555

net of AF

Return

20%

on $3k

Score

Apply

$555Y1

20%return

Score

See the mathApply

Marriott Bonvoy Bevyamex

AF $250

PUBLIC

Tier 1+2 (full)

SUB: 135,000 Marriott after $7,000 / 180d · Source ↗

Year 1

$867

net of AF

Return

15%

on $7k

Score

Apply

$867Y1

15%return

Score

See the mathApply

PUBLIC

Tier 1 only

SUB: 85,000 Marriott after $5,000 / 180d · Source ↗

Year 1

$482

net of AF

Return

13%

on $5k

Score

Apply

$482Y1

13%return

Score

See the mathApply

PUBLIC

SUB: 85,000 Marriott after $5,000 / 180d · Source ↗

Year 1

$482

net of AF

Return

13%

on $5k

Score

Apply

$482Y1

13%return

Score

See the mathApply

Southwest Rapid Rewards Premier Business card art

Southwest Rapid Rewards Premier Businesschase

AF $149BUSINESS

PUBLIC

SUB: 60,000 Southwest after $3,000 / 90d · Source ↗

Year 1

$741

net of AF

Return

26%

on $3k

Score

Apply

$741Y1

26%return

Score

See the mathApply

Ink Business Preferredchase

AF $95BUSINESS

PUBLIC

SUB: 100,000 UR after $8,000 / 90d · Source ↗

Year 1

$1,441

net of AF

Return

19%

on $8k

Score

Apply

$1,441Y1

19%return

Score

See the mathApply

Southwest Rapid Rewards Performance Business card art

Southwest Rapid Rewards Performance Businesschase

AF $299BUSINESS

PUBLIC

SUB: 80,000 Southwest after $5,000 / 90d · Source ↗

Year 1

$920

net of AF

Return

21%

on $5k

Score

Apply

$920Y1

21%return

Score

See the mathApply

Blue Cash Preferredamex

AF $0 → $950% APR · 12mo

REFERRAL

SUB: $300 Cashback after $3,000 / 180d · Source ↗

↳ A $300 version (with the first-year fee waived) circulates via an existing cardholder's referral link and CardMatch.

Year 1

$348

net of AF

Return

10%

on $3k

Score

Apply

$348Y1

10%return

Score

See the mathApply

PUBLIC

SUB: $250 Cashback after $3,000 / 180d · Source ↗

↳ The standard public welcome offer. A higher $300 bonus circulates via referral links and CardMatch — see the referral row.

Year 1

$298

net of AF

Return

on $3k

Score

Apply

$298Y1

8%return

Score

See the mathApply

Blue Business Plusamex

No AF0% APR · 12moBUSINESS

PUBLIC

SUB: 15,000 MR after $3,000 / 90d · Source ↗

Year 1

$225

net of AF

Return

on $3k

Score

Apply

$225Y1

8%return

Score

See the mathApply

TARGETED · MAILERNLL

SUB: 75,000 MR after $15,000 / 90d · Source ↗

↳ Elevated no-lifetime-language offer that surfaces via a specific link and comes and goes; YMMV.

Year 1

$1,125

net of AF

Return

on $15k

Score

Apply

$1,125Y1

8%return

Score

See the mathApply

Hilton Honors Businessamex

AF $0 → $195BUSINESS★ Keeper

PUBLIC

SUB: 130,000 Hilton after $8,000 / 180d · Source ↗

Year 1

$733

net of AF

Return

on $8k

Score

Apply

$733Y1

7%return

Score

See the mathApply

Business Platinumamex

AF $895BUSINESS⚡ ALL-TIME HIGH★ Keeper

INCOG · YMMV

SUB: 300,000 MR after $20,000 / 90d · Source ↗

↳ Surfaces in a private/incognito browser (clear cookies; may take a few tries). Frequently reduced at the final approval screen — YMMV.

Year 1

$4,894

net of AF

Return

23%

on $20k

Score

Apply

$4,894Y1

23%return

Score

See the mathApply

PUBLIC

SUB: 150,000 MR after $20,000 / 90d · Source ↗

↳ Amex's standard public offer is 150,000 points after $20,000 in 3 months. Larger amounts (up to 300,000) surface in a private/incognito browser but are frequently reduced on the final approval screen.

Year 1

$2,644

net of AF

Return

11%

on $20k

Score

Apply

$2,644Y1

11%return

Score

See the mathApply

Marriott Bonvoy Bountifulchase

AF $250

PUBLIC

SUB: 85,000 Marriott after $4,000 / 90d · Source ↗

Year 1

$519

net of AF

Return

16%

on $4k

Score

Apply

$519Y1

16%return

Score

See the mathApply

Premium Rewardsboa

AF $95

PUBLIC

SUB: 60,000 BoA Points after $4,000 / 90d · Source ↗

Year 1

$600

net of AF

Return

15%

on $4k

Score

Apply

$600Y1

15%return

Score

See the mathApply

Business Goldamex

AF $375BUSINESS⚡ ALL-TIME HIGH

PUBLICNLL

SUB: 200,000 MR after $15,000 / 90d · Source ↗

↳ A flat 200,000-point offer via Amex's direct application link — the standard product page may show a lower amount. Links like this rotate, so confirm the amount on the apply page.

Year 1

$2,905

net of AF

Return

20%

on $15k

Score

Apply

$2,905Y1

20%return

Score

See the mathApply