You can use credit card points from Amex, Citi, Capital One, and more to pay for Amazon purchases — and in some cases, get up to a 50% discount

retail cyber online shopping gift card holiday black friday sale credit card

You can redeem Chase, Amex, Citi, Capital One, Discover, and Hilton points directly at Amazon checkout — but it's not always the best idea.
Crystal Cox/Business Insider
  • How to use credit card points at Amazon
  • Use Chase points on Amazon
  • Use Amex points on Amazon
  • Use Citi ThankYou points on Amazon
  • Use Capital One miles on Amazon
  • Use Discover Rewards on Amazon
  • Use Hilton points on Amazon
  • Use Marriott points on Amazon
  • Watch for promotional discounts for using points
  • Frequently Asked Questions (FAQ)

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  • You can significantly reduce your holiday shopping bill by redeeming credit card rewards on Amazon.
  • Many popular currencies participate, such as Chase Ultimate Rewards and Amex Membership Rewards.
  • We don't usually recommend using points this way because they can be worth much more toward travel.
  • Read Insider's guide to the best rewards credit cards.

Holiday shopping is in full swing. If you were in the crowds during Black Friday , you know the lengths to which customers will go for a good deal.

Fortunately, it's possible to shop great deals from home, sheltered from the teeth and fingernails of enthusiastic shoppers. You can even manufacture your own great deals thanks to credit card rewards. You can steeply discount the prices of just about anything — and even get items for absolutely free.

Read more: The best credit cards for Amazon shopping

Amazon makes it simple to redeem many rewards currencies at checkout to offset your balance. We almost never recommend using your points this way, but it can make sense for you if you don't plan to travel in the near future.

Here's everything you need to know.

How to use credit card points at Amazon

When you link a loyalty program to your Amazon account, Amazon may change your default payment method to points. This can be devastating if you're not paying attention and lose a large portion of points you had intended to save for travel.

Use Chase points on Amazon

Regular APR

15.99%-22.99% Variable

Credit Score

Good to Excellent

Editor's Rating
Featured Reward

60,000 points

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn't offer a Global Entry/TSA PreCheck application fee credit
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
    • 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.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 03/31/22.
    Read Our Review Read Our Review A looong arrow, pointing right

    When you redeem Chase Ultimate Rewards points with Amazon, you'll receive a value of 0.8 cents per point. Still, if you plan to use your points through Amazon, your best bet is to simply make your purchase with an eligible Chase card and then redeem your points for a statement credit later at a rate of 1 cent each.

    You'll earn points this way, and you'll get the purchase protection included with Chase credit cards.

    You can earn Chase Ultimate Rewards by opening and using cards like:

    • Chase Sapphire Preferred® Card — 60,000 points after you spend $4,000 on purchases in the first three months of account opening
    • Chase Sapphire Reserve® — 50,000 points after you spend $4,000 on purchases in the first three months of account opening
    • Ink Business Preferred® Credit Card — 100,000 points after spending $15,000 on purchases in the first 3 months from account opening

    To link your Chase Ultimate Rewards account with Amazon, click here. You'll then simply log in to your Amazon account, link your Chase card, and apply your Ultimate Rewards points at checkout.

    Read more: Best ways to use Chase Ultimate Rewards points

    Use Amex points on Amazon

    Regular APR

    See Pay Over Time APR

    Editor's Rating

    Featured Reward

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

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  • Pros & Cons
  • Details
  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.
    Read Our Review Read Our Review A looong arrow, pointing right

    American Express offers a very low redemption rate of 0.7 cents each for Amazon purchases — and its points value when redeeming for statement credits is even lower. If you want to make purchases with your Amex points, consider using them to purchase an American Express gift card at a rate of 1 cent per point, and then using those gift cards to buy your items.

    You can earn Amex Membership Rewards points by opening and swiping cards like:

    • The Platinum Card® from American Express — 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership
    • American Express® Gold Card — 60,000 points after you spend at least $4,000 in your first 6 months of account opening
    • The Business Platinum Card® from American Express — 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership

    You can link your Amex Membership Rewards account with Amazon by clicking here. You'll log in to your Amazon account, link your eligible American Express card, and choose to apply your points to your order at checkout.

    Read more: Best ways to use Amex Membership Rewards points

    Use Citi ThankYou points on Amazon

    Regular APR

    15.99% - 23.99% Variable

    Credit Score

    Good to Excellent

    Editor's Rating

    Featured Reward

    80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Strong sign-up bonus
    • Generous bonus categories
    Cons
    • Doesn't offer much in the way of statement credits or other perks
    • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
    • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases
    Read Our Review Read Our Review A looong arrow, pointing right

    Per Insider's estimations, you'll receive just half of the average Citi ThankYou points value when redeeming your rewards for shopping with Amazon. This is not the currency to collect if you intend to regularly use your points for online shopping.

    Citi issues credit cards like the Citi® Double Cash Card and Citi Custom Cash℠ Card which earn cash back that can be converted into ThankYou points (if you also have a Citi ThankYou points earning card) if you decide you want to use them for travel. Earning rewards on one of these cards and redeeming for cash is your best route if you intend to use them for online shopping.

    Cards that earn Citi ThankYou points include:

    • Citi Premier® Card — 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Citi Rewards+® Card — 20,000 bonus points after spending $1,500 in purchases in 3 months from account opening
    • Citi Prestige® Card (not available to new applicants)

    Click here to link your Citi ThankYou account to Amazon. Then just select your Citi ThankYou card as your payment method and choose to pay with points.

    Read more: Best ways to use Citi ThankYou points

    Use Capital One miles on Amazon

    Regular APR

    16.99% - 23.99% Variable

    Editor's Rating

    Featured Reward

    100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Excellent welcome bonus and miles earning
    • Premium perks including airport lounge access and statement credits
    • Visa Infinite benefits including travel and shopping protections
    Cons
    • High annual fee
    • Annual travel statement credits only apply to Capital One Travel purchases
    • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
    • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
    • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
    • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more - you can even transfer your miles to your choice of 15+ travel loyalty programs
    Read Our Review Read Our Review A looong arrow, pointing right

    Again, Capital One miles are best used for travel — not for Amazon purchases. You'll receive less than have the average points value by redeeming them for shopping — a meager 0.8 cents each.

    Similar to Citi ThankYou points, Capital One issues cash-back cards, the rewards of which can be converted into Capital One miles — as long as you have a qualifying Capital One miles earning card. Examples include the Capital One Savor Cash Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card.

    Cards that earn Capital One miles directly include:

    • Capital One Venture Rewards Credit Card — Earn 60,000 miles after spending $3,000 on purchases within 3 months from account opening
    • Capital One Venture X Rewards Credit Card — 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, plus up to $200 in statement credits for vacation rental purchases in the first 12 months of account opening
    • Capital One Spark Miles for Business — 50,000 miles once you spend $4,500 on purchases within the first 3 months

    You can link your Capital One miles account to Amazon by clicking here. After you enroll your qualifying Capital One card, you'll see the option to pay with Capital One miles at checkout.

    Read more: Best ways to use Capital One miles

    Use Discover Rewards on Amazon

    Regular APR

    11.99% - 22.99% Variable

    Credit Score

    Good to Excellent

    Editor's Rating

    Intro APR

    0% intro APR for 14 months on purchases and balance transfers

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Earns 5% cash back at Amazon.com, Walmart.com and Target.com on up to $1,500 in purchases after enrollment from October to December 31, 2021, then 1%
    • Discover will match your cash back at the end of your first account year
    • No annual fee
    Cons
    • Cap on how much bonus cash back you can earn each quarter
    • If the quarterly categories aren't convenient for you, you can earn more cash back with a different card
    • Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Redeem cash back in any amount, any time. Rewards never expire.
    • Use your rewards at Amazon.com checkout.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • Click "Apply Now" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    Read Our Review Read Our Review A looong arrow, pointing right

    Whether you collect cash back with the Discover it® Cash Back or miles with the Discover it® Miles, you can redeem them directly through Amazon to pay for all or part of your cart.

    All Discover Rewards are worth 1 cent each, whether you spend through Amazon or redeem for cash. Therefore, it's more beneficial for you to make your purchase with the card and later request a statement credit instead of using your rewards for the purchase.

    This ensures you'll earn rewards for your purchase — which is especially handy if you have the Discover it® Cash Back, as its rotating bonus categories sometimes include Amazon purchases (from October to December 31, 2021, you can earn 5% cash back at Amazon.com, Walmart.com and Target.com on up to $1,500 in purchases after enrollment, then 1%).

    Cards that earn Discover Rewards include:

    • Discover it® Miles
    • Discover it® Cash Back
    • Discover it® Student Cash Back
    • Discover it® chrome

    Click here to link your Discover Rewards with Amazon and then select Discover as the payment method at checkout. You'll see the option to apply your cash back at that point.

    Read more: Discover Cashback match program

    Use Hilton points on Amazon

    Regular APR

    15.74% - 24.74% Variable

    Credit Score

    Good to Excellent

    Editor's Rating

    Featured Reward

    130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Comes with complimentary Hilton Gold elite status
    • Strong welcome bonus
    • Earns bonus points on a wide variety of purchases
    Cons
    • You have to spend at least $15,000 on eligible purchases in a calendar year to earn a reward night
    • Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
    • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
    • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
    • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
    • Terms apply.
    Read Our Review Read Our Review A looong arrow, pointing right

    You'd be hard-pressed to find a currency easier to earn than Hilton points. For example, The Hilton Honors American Express Business Card currently offers 130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months. You'll even get 6 points per dollar on everyday purchases like gas stations and U.S. restaurants, and 3 points per dollar on all other eligible purchases.

    However, the redemption rate of 0.2 cents per point means you'll get a return as little as 0.6% back on purchases. If you intend to use Hilton points to shop on Amazon, make a cash-back credit card your daily driver, instead.

    Hilton credit cards include:

    • Hilton Honors American Express Aspire Card — 150,000 points after you spend at least $4,000 in your first 3 months of account opening
    • Hilton Honors American Express Surpass® Card — 130,000 points after spending $2,000 on purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total on purchases in the first 6 months
    • Hilton Honors American Express Card — 80,000 points after spending $1,000 on purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $5,000 total on purchases in the first 6 months

    Read more: Best ways to use Hilton points

    Use Marriott points on Amazon

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Editor's Rating

    Featured Reward

    Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Annual statement credits can save you money on Marriott stays
    • You get a free reward night each year after your account anniversary
    Cons
    • High annual fee
    • Other cards are more rewarding for earning points on your spending
    • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
    • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
    • No Foreign Transaction Fees.
    • $450 Annual Fee.
    • Terms Apply.
    Read Our Review Read Our Review A looong arrow, pointing right

    You can't use your Marriott points directly on the Amazon website as you can with the previous rewards currencies. However, if you navigate to Marriott Shop With Points, you can purchase an Amazon gift card with your points at the following rates:

    • $25 gift card — 10,000 points
    • $50 gift card — 17,500 points
    • $100 gift card — 30,000 points

    In other words, the most value you'll get by using your points with Amazon is 0.33 cents each — less than half the average value you'll receive by using your points for travel.

    You can earn Marriott points directly with the following cards:

    • Marriott Bonvoy Boundless® Credit Card — 3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories
    • Marriott Bonvoy Brilliant™ American Express® Card — Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership
    • Marriott Bonvoy Business™ American Express® Card — Earn 75,000 bonus points after using your card to make $3,000 in eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card in the first 3 months of card membership

    Read more: Best ways to use Marriott points

    We occasionally see promotions that give you significant value for using points at Amazon, even if you split your payment between rewards and cash. These offers will trigger when you use at least 1 credit card point at checkout.

    Below are the current promotions. You can bookmark this page to keep tabs on the current deals. We've included a link to the registration page of each offer.

    Amex Membership Rewards points

    Amex is currently targeting customers for a discount of up to 50% (capped at $80 in savings) when you pay for your Amazon cart with at least 1 Amex Membership Rewards point. This offer expires at 11:59 pm Pacific Time on December 31, 2021 (or after a limited quantity is used).

    Your offer may vary. I was targeted for 15% off, up to $15, with no minimum spending requirement.

    Chase Ultimate Rewards points

    Targeted Chase cardmembers will receive 50% off eligible purchases, up to $15 off, when paying for an Amazon order with at least 1 Chase Ultimate Rewards point. This offer expires at 11:59 pm Pacific Time on December 31, 2021 (or after a limited quantity is used).

    Citi ThankYou points

    Citi is targeting customers for a discount of up to 50% (capped at $15) when spending $30+ on Amazon purchases. Only products sold and shipped by Amazon qualify, and you must use at least 1 ThankYou point at checkout. This offer expires on December 31, 2021.

    Your offer may vary. My personal offer was 40% off, up to a maximum $10 discount.

    Discover Rewards

    Select Discover cardmembers can earn up to 40% off with Amazon when using at least 1 point/cent at checkout. This offer expires on December 31, 2021. Only items sold and shipped by Amazon qualify.

    Frequently Asked Questions (FAQ)

    Is Amazon Shop With Points a good deal?

    Paying with points is almost never the best way to redeem rewards. You'll never receive outsized value for your rewards, and the return rate you'll get is significantly below what you can expect to receive if you use them for travel.

    A big exception is the aforementioned promotions that offer a significant discount for using just a single point.

    Which credit card points link to Amazon?

    Currently, there are five popular bank points currencies, plus Hilton points, that link directly to Amazon:

    • Chase Ultimate Rewards points
    • Amex Membership Rewards points
    • Citi ThankYou points
    • Capital One miles
    • Discover Rewards

    However, you can technically use other currencies to shop with Amazon, such as Marriott (covered above) and IHG. You'll have to cash out your points for Amazon gift cards, and it's not a good deal.

    What's the best card for shopping on Amazon?

    If you shop on Amazon with regularity, you may not want a card that collects the above currencies. Better to focus on cash-back credit cards where your rewards will go further towards offsetting your cart.

    Here are some of the best credit cards for Amazon purchases:

    • Amazon Prime Rewards Visa Signature Card — $150 Amazon gift card instantly upon approval
    • Citi® Double Cash Card
    • Discover it® Cash Back — (from October to December 31, 2021, you can earn 5% cash back at Amazon.com, Walmart.com and Target.com on up to $1,500 in purchases after enrollment, then 1%)

    Again, there are some cards like the Citi® Double Cash Card that simultaneously earn cash back while giving you the option to transfer to travel rewards if you have other cards. If you think your credit card strategy might change in the future, cards like these give you flexibility in how you can redeem your points.

    Joseph Hostetler

    Credit cards reporter

    Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He has more than five years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. You can reach Joseph at jhostetler@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

    Featured credit cards from our partners

    Featured Reward

    60,000 points

    Credit Needed

    Good to Excellent

    Featured Reward 3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Credit Needed Good to Excellent

    Featured Reward $200 after spending $500 on purchases in the first three months from account opening

    Credit Needed Good to Excellent

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of the American Express® Gold Card, please click here.

    For rates and fees of The Business Platinum® Card from American Express, please click here.

    For rates and fees of The Hilton Honors American Express Business Card, please click here.

    For rates and fees of the Hilton Honors American Express Card, please click here.

    For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here.

    For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

    For rates and fees of Discover it® Miles, please click here.

    For rates and fees of Discover it® Cash Back, please click here.

    For rates and fees of Discover it® chrome, please click here.

    For rates and fees of Discover it® Student Cash Back, please click here.

    Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. Read our editorial standards.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

    **Enrollment required.

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