Best credit card offers and deals April 2020: Amex, Southwest, and more


This article is delivered to you by the Personal Finance Insider staff. It has not been reviewed, accepted, or in any other case endorsed by any of the issuers listed. Some of the offers you see on this web page are from our companions, like Citi, however our protection is all the time unbiased.

If you wish to earn factors and miles, the quickest possibility is signing up for a rewards credit card and incomes its intro bonus. This sometimes requires assembly a minimal spending requirement within the first three months or 90 days, and it is nicely price it — you may be rewarded with hundreds of factors or miles to place towards your subsequent journey, or with a sizeable amount of money again.

Before you apply for any new playing cards, be sure you perceive how credit card purposes have an effect on your credit rating. Also be sure you deal with your credit playing cards like debit playing cards, solely spending what you’ll be able to afford to pay again every month. If you carry a steadiness to earn rewards, you may be placing your self in a nasty monetary place — and the curiosity charges you may rack up will simply outweigh any factors or miles you earn.

Scroll down to take a look at a few of the finest credit card deals accessible in April.

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be price it for those who’re paying curiosity or late charges. When utilizing a credit card, it is essential to pay your steadiness in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.

The finest credit card welcome offers accessible now:

Welcome supply: 70,000 Southwest Rapid Rewards factors after you spend $5,000 within the first three months from account opening, one other 30,000 factors after you spend $25,000 within the first six months from account opening

Annual price: $199

Southwest’s premium enterprise card simply launched an elevated bonus, and for those who can earn the complete 100,000 factors, you may have loads of rewards for reserving flights — and you may earn the Southwest Companion Pass.

The Companion Pass will get you two-for-one journey (your companion solely has to pay taxes and charges), and it’s essential to earn 125,000 qualifying factors in a yr to earn it. You’ll meet that requirement for those who earn the complete 100,000-point bonus (since you may earn at the very least 1 level per greenback on the $25,000 in required spending), so this supply may probably be an awesome deal.

The Southwest Performance Business card offers an software price credit of as much as $100 for Global Entry or TSA PreCheck, plus 4 upgraded boardings on Southwest per yr and in-flight Wi-Fi credit. 

This is an elevated sign-up bonus, so it will not be round without end.

Welcome supply: 75,000 factors for those who spend $three,000 in first three months from account opening

Annual price: $450

Marriott’s premium credit card offers a welcome bonus of 75,000 factors (after you spend $three,000 within the first three months).

If you keep at Marriott motels a number of occasions a yr, this card may very well be price it because of as much as $300 in annual assertion credit for purchases at collaborating Marriott Bonvoy motels, and an annual free night time reward for properties that value as much as 50,000 factors per night time. 

Regular APR

15.74% to 24.74% variable APR on purchases.

Credit Score

Good to Excellent

Intro Bonus

100,000 factors after you spend at the very least $5,000 in your first three months of account opening (Offer ends four/08/2020)

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  • Details
  • Pros & Cons

    • The data associated to the Marriott Bonvoy Brilliant™ American Express® Card has been collected by Business Insider and has not been reviewed by the issuer
    • 6x factors for every greenback of eligible purchases at collaborating Marriott Bonvoy motels
    • 3x factors at U.S. eating places and on flights booked instantly with airways
    • 2x factors on all different eligible purchases
    • Receive 1 Free Night Award yearly after your Card account anniversary. Award can be utilized for one night time (redemption degree at or underneath 50,000 Marriott Bonvoy factors) at a collaborating lodge. Certain motels have resort charges
    • $300 in assertion credit every year of Card Membership for eligible purchases at collaborating Marriott Bonvoy motels
    • Complimentary Marriott Bonvoy Gold Elite standing. Earn Marriott Bonvoy Platinum Elite standing after making $75,000 in eligible purchases in your Card in a calendar yr.
    Pros
    • Annual assertion credit can prevent cash on Marriott stays
    • You get a free reward night time every year after your account anniversary
    • Complimentary Gold elite standing with Marriott
    Cons
    • High annual price
    • Other playing cards are more rewarding for incomes factors in your spending


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    Welcome supply: 60,000 Chase factors after you spend $four,000 within the first three months from account opening

    Annual price: $95

    If you desire a rewards credit card with factors that can be utilized with quite a lot of journey companions, you’ll be able to’t go flawed with the Chase Sapphire Preferred® Card. It’s among the finest common credit card picks for those who’re new to the world of factors and miles or for those who do not wish to pay the $550 annual price of the Chase Sapphire Reserve®, because the Sapphire Preferred has a $95 annual price.

    The card has been providing a 60,000-point sign-up bonus for the final a number of months, and you need to use these factors to ebook journey instantly via Chase, or you’ll be able to switch them to companions like British Airways, Hyatt, Singapore Airlines, and United.

    Beyond incomes a few of the most dear factors round, the Chase Sapphire Preferred® Card offers main automobile rental insurance coverage and would not cost international transaction charges.

    Regular APR

    15.99%-22.99% Variable

    Credit Score

    Good to Excellent

    Intro Bonus

    60,000 factors after you spend $four,000 on purchases within the first three months

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  • Details
  • Pros & Cons

    • Earn 60,000 bonus factors after you spend $four,000 on purchases within the first three months from account opening. That’s $750 towards journey if you redeem via Chase Ultimate Rewards®
    • 2X factors on journey and eating at eating places worldwide & 1 level per greenback spent on all different purchases.
    • Get 25% more worth if you redeem for airfare, motels, automobile leases and cruises via Chase Ultimate Rewards. For instance, 60,000 factors are price $750 towards journey
    • Get limitless deliveries with a $zero supply price and decreased service charges on orders over $12 for at least one yr on qualifying meals purchases with SprintPass, DoorDash’s subscription service. Activate by 12/31/21.
    • Earn 5X factors on Lyft rides via March 2022. That’s 3X factors along with the 2X factors you already earn on journey.
    Pros
    • High sign-up bonus begins you off with numerous factors
    • Strong journey protection
    Cons
    • Doesn’t supply a Global Entry/TSA PreCheck software price credit or some other assertion credit advantages


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    Welcome supply: 60,000 Amex factors after you spend $5,000 within the first three months from account opening

    Annual price: $550

    If you journey incessantly and can put its many, many advantages to make use of, the Amex Platinum may be a straightforward determination even with its $550 annual price. See how Business Insider’s David Slotnick bought more than $2,000 in worth from the card in his first yr for more data.

    Some of the card’s prime perks embody a 5x incomes charge on airfare bought instantly from the airline, as much as $200 in airline price credit every calendar yr, as much as $200 in Uber credit every cardmember yr, and as much as $100 in Saks Fifth Avenue credit every calendar yr. 

    The card additionally stands out for its airport lounge entry advantages. As a card member, you’ll be able to entry Amex Centurion Lounges, Delta Sky Clubs (if you’re flying Delta), Priority Pass lounges, Air Space Lounges, International American Express Lounges, Escape Lounges, and Plaza Premium Lounges.

    You can use the Amex Membership Rewards factors you may earn with this card to ebook journey with airways like British Airways, Delta, and Emirates, and with lodge companions together with Marriott.

    Intro Bonus

    60,000 Amex Membership Rewards factors after you spend $5,000 within the first three months

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  • Details
  • Pros & Cons

    • Earn 60,000 Membership Rewards® factors after you employ your new Card to make $5,000 in purchases in your first three months.
    • Enjoy Uber VIP standing and free rides within the U.S. as much as $15 every month, plus a bonus $20 in December. That may be as much as $200 in annual Uber financial savings.
    • 5X Membership Rewards® factors on flights booked instantly with airways or with American Express Travel.
    • 5X Membership Rewards factors on pay as you go motels booked on amextravel.com.
    • Enjoy entry to the Global Lounge Collection, the one credit card airport lounge entry program that features proprietary lounge places world wide.
    • Receive complimentary advantages with a median complete worth of $550 with Fine Hotels & Resorts. Learn More.
    • $200 Airline Fee Credit, as much as $200 per calendar yr in baggage charges and more at one qualifying airline.
    • Get as much as $100 in assertion credit yearly for purchases at Saks Fifth Avenue in your Platinum Card®. Enrollment required.
    • $550 annual price.
    • Terms Apply.
    Pros
    • – The Platinum card earns Membership Rewards factors, the forex in Amex’s loyalty program
    • – Uber VIP standing and free rides within the US as much as $15 every month, plus a bonus $20 in December
    • – 5X Membership Rewards® factors on flights booked instantly with airways or with American Express Travel.
    • – 5X Membership Rewards factors on pay as you go motels booked on amextravel.com.
    • -Access to the Global Lounge Collection, the one credit card airport lounge entry program that features proprietary lounge places world wide.
    Cons


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    Welcome supply: 50,000 miles after you spend $three,000 within the first three months from account opening

    Annual price: $95 (waived the primary yr)

    The Venture Rewards card has persistently added advantages during the last yr or so. While beforehand you may solely use miles to erase purchases in your assertion, now you can switch them to quite a lot of airline packages, together with Air Canada, Air France/KLM and Etihad. There are sometimes switch bonuses that make it easier to stretch your miles additional, too.

    This card offers a robust lineup of advantages contemplating the cheap $95 annual price (that is waived the primary yr). You get an software price credit of as much as $100 for Global Entry or TSA PreCheck, and earn 2x miles on all purchases.

    Welcome supply: 100,000 factors after you spend $15,000 within the first three months from account opening

    Annual price: $95

    The Ink Business Preferred® Credit Card offers the best sign-up bonus amongst Chase playing cards that earn Ultimate Rewards factors. Plus, it has beneficiant bonus classes — you may earn three factors per greenback within the first $150,000 in mixed purchases you make on classes together with journey, transport, and promoting (and 1 level per greenback on every part else).

    This card has a $95 annual price, and it offers advantages like main rental automobile insurance coverage if you’re renting a automobile for enterprise functions.

    7. Citi Premier Card

    Welcome supply: 60,000 Citi ThankYou factors after you spend $four,000 within the first three months from account opening

    Annual price: $95

    In addition to providing a really strong sign-up bonus, the Citi Premier card stands out for its lately added bonus classes, which have really but to take impact. Starting on August 23, you may earn three factors per greenback at eating places and supermarkets. This makes the card an awesome possibility for maximizing your on a regular basis purchases, as a result of everybody has to eat.

    Also on August 23, the Citi Premier will add a lodge financial savings profit. This annual perk will prevent $100 when ebook a lodge keep of $100 or more via thankyou.com.

    Welcome supply: 30,000 Amex factors after you spend $2,000 within the first three months from account opening

    Annual price: $150

    Amex lately introduced a whole makeover of its Green card, and it is now an excellent possibility for incomes Membership Rewards factors at an affordable worth level. 

    The American Express® Green Card was fairly boring and unrewarding, however now it earns 3x factors on all eligible journey and at eating places worldwide. That makes it aggressive with different prime rewards playing cards just like the Chase Sapphire Reserve®in terms of incomes factors on these two in style spending classes. 

    The American Express® Green Card additionally offers as much as $100 in assertion credit towards CLEAR membership (it is a substitute for TSA PreCheck but it surely additionally offers expedited safety at some stadiums and arenas) and as much as $100 in assertion credit per yr on LoungeBuddy, which helps you to ebook airport lounges. If you’ll be able to put these perks and credit to make use of, the Amex Green card may very well be a good way to enhance your journey and increase your Amex factors steadiness.

    Regular APR

    See Rates & Fees

    Intro Bonus

    30,000 factors after you spend at the very least $2,000 in your first three months of account opening

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  • Details
  • Pros & Cons

  • Pros
    • 3x bonus classes of journey and eating places that rival the more-expensive Chase Sapphire Reserve
    • Reasonable annual price in comparison with many different journey rewards playing cards
    Cons
    • Annual assertion credit with CLEAR and LoungeBuddy will not be helpful to everybody
    • Underwhelming welcome bonus


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