9 credit cards that can get you $1,000 or more in value

Oct 24, 2019

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I get some pretty weird looks when I tell my friends that I’ve opened 23 credit cards — one for every year I’ve been alive. I get all the usual questions like, “How do you pick which card to start with?” and, “Isn’t that hurting your credit score?” Their ears start to perk up, however, when I tell them just how much value I’m getting from each new card I open — generally no less than $500 and often much more than $1,000. Today we’ll take a look at the top credit card offers that can get you $1,000 or even more in value.

They are listed below but note that the order of this list doesn’t line up with the “total value” column on the right-hand side of the chart. That’s because of variations in perks and whether or not you can fully use them, such as the Hilton-specific benefits of the Hilton Honors Aspire Card from American Express. Also, many of these bonuses are only available for a limited time; if there is an end date for an offer, I’ve added it in the breakdown of the card’s details.

Credit Card Bonus Offer Bonus Value* Perks Value Annual Fee Total Value
Capital One® Spark® Cash for Business Up to $2,000 cash bonus: Earn $500 after you spend $5,000 on purchases within the first three months from account opening and earn $1,500 after spending $50,000 in the first six months. $2,000 N/A $0 the first year, then $95 after that $2,000
Capital One® Spark® Miles for Business Up to 200,000 bonus miles: Earn 50,000 miles after you spend $5,000 on purchases within the first three months from account opening and earn 150,000 miles after spending $50,000 in total in the first six months. $2,800 N/A $0 the first year, then $95 after that $2,800
The Business Platinum® Card from American Express Earn up to 75,000 bonus points: 50,000 bonus points after you spend $10,000 and an extra 25,000 bonus points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.  Terms apply. $1,500 Up to $200 airline fee credit; up to $200 in annual statement credits for Dell technology purchases ($100 semiannually); Centurion Lounge access; $100 Priority Pass lounge access $595 (see rates and fees) $1,405
Ink Business Preferred Credit Card 80,000 points after spending $5,000 in the first three months $1,600 N/A $95 $1,505
The Platinum Card® from American Express 60,000 points after spending $5,000 in the first three months. Terms apply. $1,200 Up to $200 airline fee credit; up to $200 in annual Uber credits; up to $100 Saks Fifth Avenue credit ($50 semiannually); $250 Centurion Lounge access; $100 Priority Pass lounge access $550 (see rates and fees) $1,500
United Explorer Business Card 50,000 bonus miles after spending $5,000 in the first three months of account opening and an additional 50,000 bonus miles after spending $25,000 total in the first six months $1,300 Two one-time United Club passes each year ($59 each) $95 $1,323
Chase Sapphire Preferred Card 60,000 points after spending $4,000 in the first three months $1,200 N/A $95 $1,105
Marriott Bonvoy Brilliant™ American Express® Card 75,000 points after spending $3,000 in the first three months. Terms apply. $600 Up to $300 in statement credits each year toward Marriott purchases; $100 Priority Pass lounge access; Marriott Gold status, which TPG values at $855 $450 (see rates and fees) $1,405
Hilton Honors Aspire Card from American Express 150,000 points after spending $4,000 in the first three months. Terms apply. $900 Up to $250 in statement credits for Hilton purchases each cardmember year; $250 in airline incidental fee credits per calendar year; Hilton Diamond status, which TPG values at $1,915 $450 (see rates and fees) $2,865

*Bonus value is an estimated value calculated by TPG and not the card issuer.

Capital One® Spark® Cash for Business

Annual fee: $95, waived the first year

Sign-up bonus: For a limited time earn up to $2,000 cash: $500 after spending $5,000 on purchases in the first three months and $1,500 after spending $50,000 in the first six months

Valuable perks: You’ll earn 2% cash back on every purchase, so that’s an extra $1,000 cash you’ll earn just from meeting the $50,000 minimum spending requirement, which I haven’t included in the total value.

How it all adds up: This is one of the only cards on the list with a waived annual fee the first year. Credit card rewards don’t get any more simple than cash back. The bonus and ongoing rewards you earn can be redeemed for any expense at all. The $50,000 minimum spending requirement (to earn the full bonus) is a lot, but you’ve got six months to meet it, which is longer than most offers.

Also, you can pay taxes with a credit card. Depending on when you file, both your annual and quarterly estimated tax payments could be due during the six-month minimum spending period. You’ll pay a fee of just under 2% to pay your taxes with a card, which would negate the 2% back you’d earn from spending on the card.

To learn more about this card read TPG’s Capital One Spark Cash for Business review.

Capital One® Spark® Miles for Business

Annual fee: $95, waived the first year.

Sign-up bonus: For a limited time earn up to 200,000 bonus miles: 50,000 miles after spending $5,000 in the first three months and 150,000 miles after spending $50,000 in the first six months.

Valuable perks: You’ll earn an unlimited 2x Spark miles everywhere, so the $50,000 minimum spending requirement will bring in an additional 100,000 Spark miles on top of the intro bonus. This card also comes with a TSA PreCheck or Global Entry credit worth up to $100. If you use this card to book hotels or rental cars through the Capital One travel site, you’ll earn 5x Spark miles on those purchases.

How it all adds up: Capital One Spark miles transfer to 15 airline partners and based on TPG’s valuation, they are worth 1.4 cents each, making this card’s bonus worth a whopping $2,800. Not all of the transfer partners, however, are good options for redeeming your Capital One miles. Miles transfer to Singapore, Emirates and JetBlue at a 2:1 ratio, which makes them poor partner options because the ratio for the other airlines is 2:1.5. If you want to get maximum value for your Capital One miles the best options are Etihad, Aeroplan and Avianca.

You can also redeem Capital One miles at a rate of one cent each toward eligible travel expenses. This is a good way to book cheap airfare and when you use Capital One miles this way, you’ll earn frequent flyer miles on your free flight. To learn more about how to make the most of this offer, read TPG’s Capital One Spark Miles card review.

The Business Platinum® Card from American Express

Annual fee: $595 (see rates and fees)

Sign-up bonus: Earn up to 75,000 bonus points: 50,000 bonus points after you spend $10,000 and an extra 25,000 bonus points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.

Valuable perks:  Up to $200 airline-fee credit; up to $200 in annual Dell technology credits (up to $100 semiannually); access to Amex Centurion Lounges and Delta Sky Clubs (when flying Delta); Gold elite status with Hilton and Marriott Bonvoy.

How it all adds up: With a $595 annual fee, the Business Platinum card is one of the most expensive cards on the market, although the current bonus of up to 75,000 points should be more than enough to get you past the sticker price. The $20,000 is a lot to spend in three months, but the $1,500 worth of points you earn can unlock some truly great redemption options. You’ll likely get your best value transferring your points to one of Amex’s airline partners, but you will get a 35% rebate if you pay with points for first- or business-class flights on all partner airlines or economy flights on a selected airline. The Business Platinum earns 5x points per dollar on airfare and prepaid hotels booked through Amex travel, and 1x everywhere else. Purchases of $5,000 or more will earn a 50% bonus, up to a million bonus points per year.

If that’s not enough, the Business Platinum’s incredibly comprehensive lounge access (including a Priority Pass Select membership, access to Amex Centurion Lounges and access to Delta SkyClubs when flying Delta) and Gold elite status with both Marriott and Hilton are sure to take your trip to the next level. For more details read TPG’s Amex Business Platinum card review.

Ink Business Preferred Credit Card

Annual fee: $95

Sign-up bonus: 80,000 Ultimate Rewards points after spending $5,000 on purchases in the first three months.

Valuable perks: Cellphone protection for you and employees listed on your phone bill, trip delay and cancellation insurance.

How it all adds up: Chase’s Ink Business Preferred doesn’t have a ton of perks like other cards on this list and it faces increasing competition from newer members of the Ink family. But it might offer the simplest and most immediate value of any of these cards. It has the highest sign-up bonus of any Ultimate Rewards-earning card, even more than the ultra-premium Sapphire Reserve. Those 80,000 points are worth $1,600 based on TPG’s latest valuations, but you can potentially get even more value than that.

You could transfer 60,000 points to United to book a round-trip ticket from the U.S. to Europe and still have $420 worth of Chase points left over. For other creative strategies on redeeming Ultimate Rewards points, check out our guide to “Redeeming Chase Ultimate Rewards for Maximum Value.” If you’re interested in this offer, check out TPG’s Ink Business Preferred card review.

The Platinum Card From American Express

Annual fee: $550 (see rates and fees)

Welcome bonus: 60,000 Membership Rewards points after spending $5,000 on purchases in the first three months. Note that some people have been targeted for a 100,000-point welcome offer with the same minimum spend. Check the Cardmatch tool (targeted offer subject to change at any time).

Valuable perks: Up to $200 airline fee credit; up to $200 in annual Uber credits; up to $100 in Saks Fifth Avenue credits (up to $50 semiannually); access to Amex Centurion Lounges and Delta Sky Clubs (when flying Delta); Gold elite status with Hilton and Marriott Bonvoy.

How it all adds up: One of the most common questions we get at The Points Guy is whether The Platinum Card from American Express is worth the $550 annual fee. Our answer has always been a resounding “Yes” and the list of reasons why has grown over the years as Amex keeps adding new benefits to attract customers to its most premium card that’s publicly available. The standard welcome bonus of 60,000 Membership Rewards points is worth over $1,000 on its own, based on TPG’s latest valuations, but if you’re targeted for the 100,000-point offer through Cardmatch, this card is a no-brainer.

Assuming you can use the $200 annual airline and Uber credits, that scary $550 annual fee is really only $150 out of pocket each year, and valuable benefits like 5x points on flights purchased directly with the airline or through American Express Travel, hotel elite status, premium concierge services and the most comprehensive lounge benefits of any credit card can help you get well over $1,000 in value. Take a look at TPG’s Amex Platinum review for more details on how to make the most of this card.

United Explorer Business Card

Annual fee: $95

Sign-up bonus: 50,000 bonus miles after spending $5,000 on purchases in the first three months of account opening, and an additional 50,000 bonus miles after spending $25,000 total on purchases in the first six months.

Valuable perks: Two one-time United Club passes each year, first checked bag free, priority boarding, expanded saver economy award availability, PQD waiver for spending $25,000 a year.

How it all adds up: United’s upcoming move to dynamic award pricing has definitely devalued the MileagePlus program, but it’s still possible to score some great redemptions with a 100,000-point bonus in your pocket. The spending requirement to unlock the full bonus is high, but not unreasonable for many businesses, especially given the six-month timeframe. If you’re able to spend the full $25,000, you’ll also earn 10,000 additional bonus miles and a Premier Qualifying Dollar (PQD) waiver toward United elite status. United Explorer Business cardholders will also enjoy some great elite-like perks that make traveling with United cheaper and more enjoyable, such as priority boarding, a first checked bag free and access to expanded saver economy award space. Learn everything you need to know about this card by reading TPG’s United Explorer Business card review.

Chase Sapphire Preferred Card

Annual fee: $95

Sign-up bonus: 60,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months.

Valuable perks: Trip delay/interruption insurance, baggage insurance, primary car rental insurance.

How it all adds up: If you’ve decided that the Chase Sapphire Reserve (with a $450 annual fee) is a bit too much for you, the Chase Sapphire Preferred is a great alternative. You’ll still have access to Chase’s 13 incredible hotel and airline transfer partners and you’ll get a sign-up bonus worth $1,200 — which is even higher than the Sapphire Reserve’s sign-up bonus. This card has long been one of TPG’s top travel credit cards. Read TPG’s Chase Sapphire Preferred review to learn why.

Marriott Bonvoy Brilliant American Express

Annual fee: $450 (see rates and fees)

Welcome bonus: 75,000 Marriott points after spending $3,000 on purchases in the first three months.

Valuable perks: Up to $300 in statement credits each cardmembership year toward Marriott purchases; one free night award (up to 50,000 points) every year after your account anniversary; complimentary Marriott Gold Elite status.

How it all adds up: Even if you only stay at Marriott properties a few times a year, the Marriott Bonvoy Brilliant Amex can be worth it, thanks to perks like statement credits of up to $300 each cardmembership year for Marriott purchases, including room rates. This benefit alone effectively cuts the annual fee to $150, and that’s not factoring in the complimentary Marriott Gold status you get as a cardholder. This unlocks perks like a 25% points bonus on paid stays and space-available room upgrades.

The card was just updated with Marriott Bonvoy branding (previously, it was the SPG Luxury Amex), and it’s offering a bonus of 75,000 Marriott points after you spend $3,000 in the first three months. You can use your points at more than 5,000 Marriott properties around the world. For more details on this offer, read TPG’s Marriott Bonvoy Brilliant Amex card review.

Hilton Honors American Express Aspire Card

Annual fee: $450 (see rates and fees)

Welcome bonus: 150,000 Hilton points after spending $4,000 on purchases in the first three months.

Valuable perks: Up to $250 annual airline credit; up to $250 annual Hilton resort credit at participating hotels; up to $100 credit on eligible stays of two nights or more at Waldorf Astoria and Conrad hotels; automatic Hilton Diamond status.

How it all adds up: Unlike the entry-level Hilton Honors American Express Card, the Hilton Honors Aspire Card from American Express comes packed with credits and benefits. In addition to a 150,000-point welcome bonus that TPG values at $900, the card comes with a number of Hilton property credits that can negate the annual fee and make this card cash-flow positive. You’ll also get one free weekend night after account approval and one at each account anniversary. Those nights can easily net you $300+ each.

The Aspire also comes with automatic top-tier Hilton Diamond status. TPG‘s Nick Ewen valued Diamond status at $1,915 this year, which in theory could put the Aspire at the top of this list in terms of value. But although Diamond status offers some incredible perks like suite upgrades and free breakfast, I’d argue that Diamond status from the Aspire card is less valuable than if you qualify organically. The reason is that our elite value calculations assume that you stay 20% more nights than the minimum qualification requirement and spend $150 per night. You can easily get several hundred dollars out of this “free” Diamond status from the Aspire, but if you’re not staying enough to earn it organically, it won’t be worth the full $1,915 to you. For more tips on unlocking this card’s value, read TPG’s Hilton Amex Aspire review.

Bottom line

This is an incredible time to add a new card to your wallet, with multiple cards offering 100,000-point bonuses and many that can easily net you at least $1,000 in value. Just keep in mind that the cards with the most perks often have the highest annual fees, so make sure that you’re getting enough value to justify spending big money on a single card.

Additional reporting by Jason Stauffer

For rates and fees of the Amex Platinum Card, please click here.
For rates and fees of the Amex Business Platinum Card, click here.
For rates and fees of the Hilton Aspire Card, please click here.
For rates and fees of the Marriott Bonvoy Brilliant, please click here.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro APR on Purchases
N/A
Regular APR
17.49% - 24.49% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.